In Othello, a typical home is worth $290,700 and typical rent is $882 a month. Compared with all of Adams County, the typical home value is 6% higher and the share of households that own their home is 14 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $278,425 to $333,949.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Othello is in Adams 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 Adams County. See the county
What this place has that others do not, from public data, most unusual first.
1
Othello has the lowest typical rent of the 190 cities in Washington with more than 5,000 people: $882.
2
55% of households in Othello own their home, against 69% in Adams County.
3
Othello has the 11th lowest typical home value of the 191 cities in Washington with more than 5,000 people ($290,700).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Othello
What homes there are in Othello, 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
Othello
Adams County
Washington
United States
Kind of home: Othello and its comparisons
Measure
Othello
Adams County
Washington
United States
Detached house
66%
61%
62%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
15%
7%
6%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
22%
19%
Mobile home
Unreliable estimate
23%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Othello: 66% of homes, more than in Adams County (61%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Othello
Adams County
Washington
United States
Year built: Othello and its comparisons
Measure
Othello
Adams County
Washington
United States
Before 1960
19%
26%
21%
26%
1960–1979
34%
32%
23%
24%
1980–1999
11%
20%
27%
25%
2000–2009
22%
12%
15%
14%
2010 or later
14%
10%
14%
11%
By age, homes in Othello look like those in Adams County: the typical year built is 1979.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K15%
$200K–$300K37%
$300K–$500K42%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Othello and its comparisons
Measure
Othello
Under $100K
Unreliable estimate
$100K–$200K
15%
$200K–$300K
37%
$300K–$500K
42%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99940%
$1,000–$1,49926%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Othello and its comparisons
Measure
Othello
Under $500
Unreliable estimate
$500–$999
40%
$1,000–$1,499
26%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,637 a month
Adams County: $1,606 a month
Without a mortgage
$536 a month
Adams County: $571 a month
Owners with a mortgage
65%
Adams County: 48%
In Othello, 65% of owners have a mortgage; their typical cost is $1,637 a month, about the same as in Adams County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Othello+77%
Adams County+77%
Washington+67%
United States+53%
Typical rent
OthelloNo clear change
Adams CountyNo clear change
Washington+40%
United States+33%
Typical household income
Othello+39%
Adams County+37%
Washington+33%
United States+29%
Change since 2015–2019: Othello and its comparisons
Measure
Othello
Adams County
Washington
United States
Typical home value
+77%
+77%
+67%
+53%
Typical rent
No clear change
No clear change
+40%
+33%
Typical household income
+39%
+37%
+33%
+29%
The typical home value in Othello rose 77% since 2015–2019, about the same as in Adams County (77%).
Since 2015–2019, the typical rent in Othello did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Othello and its comparisons
Measure
Othello
Adams County
Washington
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.7%
0.9%
More than one person per room
14.9%
11.6%
3.5%
3.4%
People per household
3.50
3.25
2.50
2.53
Drive alone
70%
69%
63%
69%
Carpool
16%
18%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
3%
3%
Walk or bike
Unreliable estimate
5%
4%
3%
Work from home
8%
6%
20%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 14.9% of households in Othello live, more than in Adams County (11.6%).
More people live in each home here: 3.50 on average, against 3.25 in Adams County.
To get to work, 70% of workers in Othello drive alone; in Adams County, 69%.
Do the math
What would you pay each month for a home in Othello?
A typical home costs more than the typical income allows
We start with a typical home in Othello, worth $290,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Othello, which is $65,849 a year. For that payment to be 28% of income, a household would need to earn about $102,396 a year.
The calculator's FHA and conventional loan limits are those of all of Adams 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 Othello. 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 $10,175 (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
$2,389
at 7.18% · 30 years
Loan amount
$285,434
Total interest
$410,673
Paid off in
November 2056
Includes $4,909 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,536 a month
Tight
$1,536 to $1,975 a month
Hard
more than $1,975 a month
Your payment · 44%
Compared with the typical household income in Othello ($65,849 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,934
Property tax
$206
Home insurance
$121
FHA mortgage insurance (MIP)
$129
You need at least $10,175 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 $2,389; principal and interest $1,934.
The city and its county
Othello and Adams County
Othello is in Adams 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).
Othello
Map of Adams County, Washington, with Othello marked. Around it, the neighboring counties.
Othello
Adams County
Other cities with a page
Othello's own numbers
Typical home value
$290,700
Typical monthly rent
$882
Typical yearly household income
$65,849
Households that own their home
55%
Effective property tax rate
0.85%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Adams County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,262
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
2.4%
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 Adams County.
A typical home in Othello is worth $290,700: 6% above the county and 49% below Washington. With the typical household income in Othello ($65,849 a year), a typical home costs 4.4 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.
Othello4.4 years
Adams4.1 years
Washington5.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Adams County
According to FHFA’s house price index, home prices in Adams County rose 124% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Adams County.
Yearly change in FHFA’s price index in Adams County, 2016 to 2025
2016: +5.0% +5.0% 2016
2017: +5.3% +5.3% 2017
2018: +9.6% +9.6% 2018
2019: +7.8% +7.8% 2019
2020: +9.3% +9.3% 2020
2021: +13.2% +13.2% 2021
2022: +22.0% +22.0% 2022
2023: +8.8% +8.8% 2023
2024: +2.1% +2.1% 2024
2025: +2.1% +2.1% 2025
Change in FHFA’s price index in Adams County, Washington and the United States
Period
County
Washington
U.S.
Last year (2025)
+2.1%
+1.8%
+2.9%
5 years (2020–2025)
+57%
+44%
+47%
10 years (2015–2025)
+124%
+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
Othello next to Adams 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
Othello$290,700
Adams$273,300
Washington$564,600
United States$332,700
Typical monthly rent
Othello$882
Adams$877
Washington$1,760
United States$1,413
Typical yearly household income
Othello$65,849
Adams$66,136
Washington$98,141
United States$80,734
See the full table
Othello next to Adams County and Washington
Measure
Othello
Adams County
Washington
U.S.
Typical home value
$290,700 ▲6% above the county
$273,300
$564,600
$332,700
Typical monthly rent
$882
$877
$1,760
$1,413
Typical yearly household income
$65,849
$66,136
$98,141
$80,734
Households that own their home
55% ▼14 points below the county
69%
64%
65%
Typical yearly property tax
$2,477 ▲15% above the county
$2,147
$4,556
$3,119
Effective property tax rate
0.85% ▲0.06 points above the county
0.79%
0.81%
0.94%
Renters with high rent for their income
53% ▲6 points above the county
47%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Adams 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 Othello
For a typical $290,700 home in Othello, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Othello's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,389a month
Least cash to close
Down payment
$10,175
Cash to close
$18,896
Rate
7.18%
Mortgage insurance
FHA MIP · $129
Conventional, 5% down$2,336a month
Down payment
$14,535
Cash to close
$23,256
Rate
7.18%
Mortgage insurance
PMI · $138
Conventional, 20% down, no PMI$1,902a month
Down payment
$58,140
Cash to close
$66,861
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,171a month
Down payment
$43,605
Cash to close
$52,326
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Othello
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,389
$10,175
$285,435
7.18%
FHA MIP · $129
$18,896
580
Conventional, 5% down
$2,336
$14,535
$276,165
7.18%
PMI · $138
$23,256
620*
Conventional, 20% down, no PMI
$1,902
$58,140
$232,560
7.18%
None
$66,861
620*
ITIN, 15% down (example)
$2,171
$43,605
$247,095
8.18%
None
$52,326
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 Othello is $882 a month: about the same as the county. In Othello, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Adams County, by unit size. To pay the 2-bedroom one ($1,262 a month) without spending more than 30% of your income, you would need to earn $24.27 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Adams County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$879
$16.90
$35,160
1 bedroom
$965
$18.56
$38,600
2 bedrooms
$1,262
$24.27
$50,480
3 bedrooms
$1,747
$33.60
$69,880
4 bedrooms
$2,109
$40.56
$84,360
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 Othello
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Othello is in ZIP code 99344.
For 2 bedrooms it is $1,390: $128 more than the fair market rent for Adams County ($1,262).
Fair market rent by ZIP code and size in Othello, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
99344
$1,010
$1,150
$1,390
$1,870
$2,210
ZIP code2 bd3 bd
99344 $1,390$1,870
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Othello 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)
HUD lists 9 buildings with rents for lower incomes in Othello. These are the largest.
Guadalupe Haven705 Gemstone St, Othello 9934486 homes, 85 low-income · 2 bd: 20 · 3 bd: 54 · 4 bd: 12 · In service since 2017 · For families
Othello Housing Authority240 N 1st Ave, Othello 9934455 low-income homes · Run by Housing Authority City of Othello · Average payment: $725 a month · Average wait: 31 months(509) 488-3527
Harvest Manor Apartments1050 Sylvan Dr, Othello 9934442 low-income homes · 1 bd: 6 · 2 bd: 13 · 3 bd: 13 · 4 bd: 10 · In service since 1999 · For families
Oasis Apartments830 E Ash St, Othello 9934431 low-income homes · 1 bd: 4 · 2 bd: 19 · 3 bd: 8 · In service since 2003 · For families
Washington Square Apts1065 S 4th Ave, Othello 9934430 low-income homes · For families(509) 488-5890
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 Adams 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 Othello or Adams County. The ones below are statewide in Washington: they work in Othello 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.
No legal help resource on our list is for Othello or Adams 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 Othello and all of Adams 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 Othello?
The typical home value in Othello is $290,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Adams County it is $273,300.
How much does it cost to rent in Othello?
Typical rent in Othello is $882 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Adams County is $1,262.
What is the FHA loan limit in Othello?
Othello uses the FHA limit for all of Adams 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 Othello?
The typical homeowner in Othello pays $2,477 a year, according to the U.S. Census Bureau. That is 0.85% of the home’s value; in Adams County, the rate is 0.79%.
Where can I find free help to buy or rent in Othello?
We found no HUD-approved counseling agencies with an office in Adams County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
