City · 7,302 residents · Grays Harbor County, Washington
Ocean Shores, Washington
In Ocean Shores, a typical home is worth $383,500 and typical rent is $1,284 a month. Compared with all of Grays Harbor County, the typical home value is 22% higher, typical rent is 21% higher, and the share of households that own their home is 10 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $323,537 to $333,435.
Typical rent
$1,453a month
Typical rent from Zillow, March 2026 to September 2026: from $1,277 to $1,453.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Ocean Shores is in Grays Harbor County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Grays Harbor County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Hoquiam, the typical home value is $228,200: 40% less than in Ocean Shores ($383,500).
2
Ocean Shores has the 9th lowest typical household income of the 194 cities in Washington with more than 5,000 people ($58,202).
3
Nearby, in Aberdeen, the typical rent is $1,049: 18% less than in Ocean Shores ($1,284).
4
The typical home in Ocean Shores is worth $383,500,22% more than in Grays Harbor County as a whole ($314,000).
5
The typical rent in Ocean Shores is $1,284 a month, 21% more than in Grays Harbor County as a whole ($1,062).
6
83% of households in Ocean Shores own their home, against 73% in Grays Harbor County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Ocean Shores
What homes there are in Ocean Shores, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Ocean Shores
Grays Harbor County
Washington
United States
Kind of home: Ocean Shores and its comparisons
Measure
Ocean Shores
Grays Harbor County
Washington
United States
Detached house
81%
74%
62%
61%
Attached house
Unreliable estimate
1%
4%
6%
Building of 2 to 4
Unreliable estimate
6%
6%
8%
Apartments (5 or more)
Unreliable estimate
7%
22%
19%
Mobile home
Unreliable estimate
11%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Ocean Shores: 81% of homes, more than in Grays Harbor County (74%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Ocean Shores
Grays Harbor County
Washington
United States
Year built: Ocean Shores and its comparisons
Measure
Ocean Shores
Grays Harbor County
Washington
United States
Before 1960
Unreliable estimate
34%
21%
26%
1960–1979
22%
26%
23%
24%
1980–1999
29%
19%
27%
25%
2000–2009
23%
12%
15%
14%
2010 or later
22%
8%
14%
11%
The typical home in Ocean Shores was built in 1997, 23 years after the typical one in Grays Harbor County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K17%
$300K–$500K55%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Ocean Shores and its comparisons
Measure
Ocean Shores
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
17%
$300K–$500K
55%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Ocean Shores and its comparisons
Measure
Ocean Shores
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,542 a month
Grays Harbor County: $1,663 a month
Without a mortgage
$576 a month
Grays Harbor County: $562 a month
Owners with a mortgage
52%
Grays Harbor County: 54%
Owning costs less in Ocean Shores: with a mortgage, the typical cost is $1,542 a month; in Grays Harbor County, $1,663. Without one, $576.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Ocean Shores+64%
Grays Harbor County+76%
Washington+67%
United States+53%
Typical rent
Ocean ShoresNo clear change
Grays Harbor County+37%
Washington+40%
United States+33%
Typical household income
Ocean Shores+26%
Grays Harbor County+26%
Washington+33%
United States+29%
Change since 2015–2019: Ocean Shores and its comparisons
Measure
Ocean Shores
Grays Harbor County
Washington
United States
Typical home value
+64%
+76%
+67%
+53%
Typical rent
No clear change
+37%
+40%
+33%
Typical household income
+26%
+26%
+33%
+29%
Homes in Ocean Shores gained value more slowly than in Grays Harbor County: 64% since 2015–2019, against 76%.
Rent in Ocean Shores moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Ocean Shores and its comparisons
Measure
Ocean Shores
Grays Harbor County
Washington
United States
Rental vacancy
Unreliable estimate
3.3%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.7%
0.9%
More than one person per room
Unreliable estimate
3.3%
3.5%
3.4%
People per household
1.90
2.42
2.50
2.53
Drive alone
64%
76%
63%
69%
Carpool
Unreliable estimate
7%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
3%
3%
Walk or bike
Unreliable estimate
4%
4%
3%
Work from home
20%
10%
20%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 1.90 on average, against 2.42 in Grays Harbor County.
In Ocean Shores, 20% of workers work from home, more than in Grays Harbor County (10%).
Do the math
What would you pay each month for a home in Ocean Shores?
A typical home costs more than the typical income allows
We start with a typical home in Ocean Shores, worth $383,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 64% of the typical household income in Ocean Shores, which is $58,202 a year. For that payment to be 28% of income, a household would need to earn about $132,345 a year.
The calculator's FHA and conventional loan limits are those of all of Grays Harbor County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Ocean Shores. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $13,423 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,088
at 7.18% · 30 years
Loan amount
$376,553
Total interest
$541,772
Paid off in
November 2056
Includes $6,476 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,358 a month
Tight
$1,358 to $1,746 a month
Hard
more than $1,746 a month
Your payment · 64%
Compared with the typical household income in Ocean Shores ($58,202 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,551
Property tax
$208
Home insurance
$160
FHA mortgage insurance (MIP)
$170
You need at least $13,423 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,088; principal and interest $2,551.
The city and its county
Ocean Shores and Grays Harbor County
Ocean Shores is in Grays Harbor County, Washington. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Map of Grays Harbor County, Washington, with Ocean Shores marked. Around it, the neighboring counties.
Grays Harbor County
Ocean Shores's own numbers
Typical home value
$383,500
Typical monthly rent
$1,284
Typical yearly household income
$58,202
Households that own their home
83%
Effective property tax rate
0.65%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Grays Harbor County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,345
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
17%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Grays Harbor County.
A typical home in Ocean Shores is worth $383,500: 22% above the county and 32% below Washington. With the typical household income in Ocean Shores ($58,202 a year), a typical home costs 6.6 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Ocean Shores6.6 years
Grays Harbor4.9 years
Washington5.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Grays Harbor County
According to FHFA’s house price index, home prices in Grays Harbor County rose 146% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Grays Harbor County.
Yearly change in FHFA’s price index in Grays Harbor County, 2016 to 2025
2016: +6.9% +6.9% 2016
2017: +9.5% +9.5% 2017
2018: +12.6% +12.6% 2018
2019: +11.2% +11.2% 2019
2020: +8.1% +8.1% 2020
2021: +20.4% +20.4% 2021
2022: +20.5% +20.5% 2022
2023: +0.8% +0.8% 2023
2024: +3.2% +3.2% 2024
2025: +3.1% +3.1% 2025
Change in FHFA’s price index in Grays Harbor County, Washington and the United States
Period
County
Washington
U.S.
Last year (2025)
+3.1%
+1.8%
+2.9%
5 years (2020–2025)
+56%
+44%
+47%
10 years (2015–2025)
+146%
+113%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Ocean Shores next to Grays Harbor County, Washington and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Ocean Shores$383,500
Grays Harbor$314,000
Washington$564,600
United States$332,700
Typical monthly rent
Ocean Shores$1,284
Grays Harbor$1,062
Washington$1,760
United States$1,413
Typical yearly household income
Ocean Shores$58,202
Grays Harbor$64,414
Washington$98,141
United States$80,734
See the full table
Ocean Shores next to Grays Harbor County and Washington
Measure
Ocean Shores
Grays Harbor County
Washington
U.S.
Typical home value
$383,500 ▲22% above the county
$314,000
$564,600
$332,700
Typical monthly rent
$1,284 ▲21% above the county
$1,062
$1,760
$1,413
Typical yearly household income
$58,202 ▼10% below the county
$64,414
$98,141
$80,734
Households that own their home
83% ▲10 points above the county
73%
64%
65%
Typical yearly property tax
$2,477
$2,512
$4,556
$3,119
Effective property tax rate
0.65% ▼0.15 points below the county
0.8%
0.81%
0.94%
Renters with high rent for their income
60% ▲11 points above the county
49%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Grays Harbor County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Ocean Shores
For a typical $383,500 home in Ocean Shores, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ocean Shores's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,088a month
Least cash to close
Down payment
$13,423
Cash to close
$24,928
Rate
7.18%
Mortgage insurance
FHA MIP · $170
Conventional, 5% down$3,018a month
Down payment
$19,175
Cash to close
$30,680
Rate
7.18%
Mortgage insurance
PMI · $182
Conventional, 20% down, no PMI$2,446a month
Down payment
$76,700
Cash to close
$88,205
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,800a month
Down payment
$57,525
Cash to close
$69,030
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Ocean Shores
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,088
$13,423
$376,554
7.18%
FHA MIP · $170
$24,928
580
Conventional, 5% down
$3,018
$19,175
$364,325
7.18%
PMI · $182
$30,680
620*
Conventional, 20% down, no PMI
$2,446
$76,700
$306,800
7.18%
None
$88,205
620*
ITIN, 15% down (example)
$2,800
$57,525
$325,975
8.18%
None
$69,030
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Ocean Shores is $1,284 a month: 21% above the county. In Ocean Shores, 60% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Grays Harbor County, by unit size. To pay the 2-bedroom one ($1,345 a month) without spending more than 30% of your income, you would need to earn $25.87 an hour working full time.
HUD fair market rent for all of Grays Harbor County
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Grays Harbor County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$937
$18.02
$37,480
1 bedroom
$1,045
$20.10
$41,800
2 bedrooms
$1,345
$25.87
$53,800
3 bedrooms
$1,862
$35.81
$74,480
4 bedrooms
$2,123
$40.83
$84,920
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Ocean Shores
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ocean Shores is in ZIP code 98569.
For 2 bedrooms it is $1,500: $155 more than the fair market rent for Grays Harbor County ($1,345).
Fair market rent by ZIP code and size in Ocean Shores, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
98569
$1,040
$1,170
$1,500
$2,080
$2,370
ZIP code2 bd3 bd
98569 $1,500$2,080
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ocean Shores when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Grays Harbor County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Ocean Shores or Grays Harbor County. The ones below are statewide in Washington: they work in Ocean Shores the same as in the rest of the state.
Washington state commission 0% second mortgage for 3%, 4% or 5% of the first mortgage, with no monthly payments; you do not need to be a first-time buyer.Offered by Washington State Housing Finance Commission.
Washington state commission loan with no monthly payments of up to 20% of the price (maximum $150,000) plus closing costs, for first-time buyers whose family lived in Washington before 1968 and belonged to a group affected by housing discrimination, including Hispanic people.Offered by Washington State Housing Finance Commission.
Washington state commission loan of up to $15,000 at 1% simple interest, with no monthly payments, for the down payment and closing costs of first-time buyers with the House Key Opportunity mortgage.Offered by Washington State Housing Finance Commission.
The HUD-approved agencies closest to the center of Ocean Shores, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
1 of the 3 agencies on this list says it serves in Spanish.
Ask for service in Spanish
When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.
Housing authorities of Ocean Shores
HUD’s record names them for Ocean Shores or Grays Harbor County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.
HA Of Grays Harbor CountyPublic housing and Section 8 vouchers(360) 532-0570
No legal help resource on our list is for Ocean Shores or Grays Harbor County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Ocean Shores and all of Grays Harbor County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Ocean Shores?
The typical home value in Ocean Shores is $383,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Grays Harbor County it is $314,000.
How much does it cost to rent in Ocean Shores?
Typical rent in Ocean Shores is $1,284 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Grays Harbor County is $1,345.
What is the FHA loan limit in Ocean Shores?
Ocean Shores uses the FHA limit for all of Grays Harbor County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Ocean Shores?
The typical homeowner in Ocean Shores pays $2,477 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in Grays Harbor County, the rate is 0.8%.
Where can I find free help to buy or rent in Ocean Shores?
We found no HUD-approved counseling agencies with an office in Grays Harbor County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
