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City · 79,575 residents · Franklin County, Washington

Pasco , Washington

In Pasco, a typical home is worth $376,300 and typical rent is $1,227 a month. Home values, rent and income are very close to those of all of Franklin County.

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  • Typical home value

    $376,300

    About the same as the county

    33% below Washington

    • Pasco
    • Franklin
    • Washington

  • Typical rent

    $1,227a month

    2% above the county

    30% below Washington

    • Pasco
    • Franklin
    • Washington

  • Typical household income

    $85,586a year

    About the same as the county

    13% below Washington

    • Pasco
    • Franklin
    • Washington

  • Households that own their home

    71%

    About the same as the county

    7 points above Washington

    • Pasco
    • Franklin
    • Washington

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$416,458
about the same as 12 months ago
Typical rent
$1,707 a month
1.1% less than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Pasco is in Franklin 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 Franklin County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pasco apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Connell, the typical rent is $1,011: 18% less than in Pasco ($1,227).

  2. Nearby, in Connell, the typical home value is $313,600: 17% less than in Pasco ($376,300).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Pasco

What homes there are in Pasco, 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

As in Franklin County, most homes in Pasco are detached houses (74%).

Year built

Homes in Pasco are newer: the typical year built is 2001; in Franklin County, 1997.

In Pasco, 75% of homes have 3 bedrooms or more, about the same as in Franklin County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

By price, most homes in Pasco sit under the FHA limit for Franklin County ($541,287): about 83%.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Franklin County is $1,487: about 62% of rents in Pasco are below it.

With a mortgage

$1,771 a month

Franklin County: $1,788 a month

Without a mortgage

$546 a month

Franklin County: $570 a month

Owners with a mortgage

69%

Franklin County: 66%

The typical cost for an owner with a mortgage in Pasco is $1,771 a month, near the figure in Franklin County ($1,788).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Much as in Franklin County, the typical home value in Pasco rose 89% since 2015–2019.

Rents in Pasco rose at about the same pace as in Franklin County: 33% since 2015–2019, against 31%.

The typical household income in Pasco rose 36% over that time; home values changed +89% and rent +33%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasurePascoFranklin CountyWashingtonUnited States
Rental vacancy 4.6%4.1%4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room 7.3%7.3%3.5%3.4%
People per household 3.193.212.502.53
Drive alone 77%77%63%69%
Carpool 13%12%9%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike 1%1%4%3%
Work from home 8%8%20%15%
Other means 1%Unreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Franklin County, the rental vacancy rate in Pasco is 4.6%.

More than one person per room: that is how 7.3% of households in Pasco live, near the figure in Franklin County (7.3%).

A household in Pasco has 3.19 people on average, about the same as in Franklin County (3.21).

To get to work, 77% of workers in Pasco drive alone; in Franklin County, 77%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Pasco?

A typical home costs more than the typical income allows

We start with a typical home in Pasco, worth $376,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Pasco, which is $85,586 a year. For that payment to be 28% of income, a household would need to earn about $130,801 a year.

The calculator's FHA and conventional loan limits are those of all of Franklin County.

Your numbers

Local data
$

Starts at the typical home value in Pasco. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $13,171 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,052

at 7.18% · 30 years

Loan amount
$369,484
Total interest
$531,600
Paid off in
November 2056

Includes $6,355 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,997 a month

  • Tight

    $1,997 to $2,568 a month

  • Hard

    more than $2,568 a month

    Your payment · 43%

Compared with the typical household income in Pasco ($85,586 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,052
Principal & interest$2,503
Property tax$226
Home insurance$157
FHA mortgage insurance (MIP)$166

You need at least $13,171 for the down payment, plus closing costs.

Next step

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.

The city and its county

Pasco and Franklin County

Pasco is in Franklin 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).

Pasco's own numbers

Typical home value
$376,300
Typical monthly rent
$1,227
Typical yearly household income
$85,586
Households that own their home
71%
Effective property tax rate
0.72%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Franklin County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,487
Price change over 5 years (FHFA)
+42%

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 Franklin County.

Everything about Franklin County

Buying

Buying a home in Pasco

A typical home in Pasco is worth $376,300: about the same as the county and 33% below Washington. With the typical household income in Pasco ($85,586 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.

  • Pasco 4.4 years
  • Franklin 4.4 years
  • Washington 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Franklin County

According to FHFA’s house price index, home prices in Franklin County rose 112% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Franklin County.

Period County Washington U.S.
Last year (2025) +0.5% +1.8% +2.9%
5 years (2020–2025) +42% +44% +47%
10 years (2015–2025) +112% +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

Pasco next to Franklin 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
  • Pasco $376,300
  • Franklin $379,300
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Pasco $1,227
  • Franklin $1,198
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Pasco $85,586
  • Franklin $86,714
  • Washington $98,141
  • United States $80,734
See the full table
Pasco next to Franklin County and Washington
Measure Pasco Franklin County Washington U.S.
Typical home value $376,300 $379,300 $564,600 $332,700
Typical monthly rent $1,227 $1,198 $1,760 $1,413
Typical yearly household income $85,586 $86,714 $98,141 $80,734
Households that own their home 71% 71% 64% 65%
Typical yearly property tax $2,708 $2,750 $4,556 $3,119
Effective property tax rate 0.72% 0.73% 0.81% 0.94%
Renters with high rent for their income 53% 48% 50% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Franklin 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 Pasco

For a typical $376,300 home in Pasco, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pasco's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,052a month

    Least cash to close
    Down payment
    $13,171
    Cash to close
    $24,460
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $166

  • Conventional, 5% down $2,983a month

    Down payment
    $18,815
    Cash to close
    $30,104
    Rate
    7.18%
    Mortgage insurance
    PMI · $179

  • Conventional, 20% down, no PMI $2,422a month

    Down payment
    $75,260
    Cash to close
    $86,549
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,770a month

    Down payment
    $56,445
    Cash to close
    $67,734
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Pasco and for Franklin County.

Property tax

Effective rate in Pasco

0.72%of the home’s value each year

$2,708 a year for the typical owner in Pasco.

  • Pasco 0.72%
  • Franklin 0.73%
  • Washington 0.81%

What Washington publishes Exemption for people 61 and older or with disabilities (Washington State Department of Revenue)

Exemptions and deadlines in Washington

Flood risk in Franklin County

FEMA does not publish these numbers by city: they are for all of Franklin County.

FEMA’s maps count no homes in the high-risk zone in Franklin County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pasco

Typical rent in Pasco is $1,227 a month: 2% above the county. In Pasco, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Franklin County, by unit size. To pay the 2-bedroom one ($1,487 a month) without spending more than 30% of your income, you would need to earn $28.60 an hour working full time.

HUD fair market rent for all of Franklin County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,094 $21.04 $43,760
1 bedroom $1,230 $23.65 $49,200
2 bedrooms $1,487 $28.60 $59,480
3 bedrooms $2,051 $39.44 $82,040
4 bedrooms $2,341 $45.02 $93,640

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 Pasco

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pasco is in ZIP code 99301.

For 2 bedrooms it is $1,500: $13 more than the fair market rent for Franklin County ($1,487).

  • 99301 $1,500$2,070

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pasco 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Pasco

HUD lists 16 buildings with rents for lower incomes in Pasco. These are the largest.

  • Silver Creek Apts 9315 Chapel Hill Blvd, Pasco 99301 242 low-income homes · 1 bd: 48 · 2 bd: 75 · 3 bd: 66 · 4 bd: 53 · In service since 2005 · For families
  • Silver Creek Apartments 9315 Chapel Hill Blvd, Pasco 99301 242 homes, 240 low-income · 1 bd: 48 · 2 bd: 75 · 3 bd: 66 · 4 bd: 53 · In service since 2007 · For families
  • Stonegate 6102 Road 68, Pasco 99301 200 homes, 198 low-income · 1 bd: 32 · 2 bd: 123 · 3 bd: 45 · In service since 2004 · For people with disabilities, families
  • Scattered Sites 237 W Margaret St, Pasco 99301 120 low-income homes · Run by HA City of Pasco and Franklin County · Average payment: $337 a month · Average wait: 39 months · Homes at several sites (509) 547-3581
  • Scattered Sites 820 N 1st Ave, Pasco 99301 92 low-income homes · Run by HA City of Pasco and Franklin County · Average payment: $508 a month · Average wait: 14 months · Homes at several sites (509) 547-3581

See all 19 buildings in Franklin County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Pasco

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 Franklin County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Pasco

No down payment, repair or rent-help program on our list is for Pasco or Franklin County. The ones below are statewide in Washington: they work in Pasco the same as in the rest of the state.

Which programs do I qualify for? All programs in Washington

  • Home Advantage Downpayment Assistance

    Statewide in Washington

    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.

    Deferred

    See the program Official page

  • Covenant Homeownership Program

    Statewide in Washington

    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.

    Deferred

    See the program Official page

  • House Key Opportunity DPA

    Statewide in Washington

    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.

    Deferred

    See the program Official page

Housing counselors near Pasco

The HUD-approved agencies closest to the center of Pasco, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Oic of Washington

    815 Fruitvale Blvd, Yakima · 71 miles away · Spanish

    Also serves in Arabic, American Sign Language (ASL), Cambodian, Cantonese, and 18 more languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (509) 765-9206

  • Catholic Charities Housing Services

    5301 Tieton Dr, Yakima · 73 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (509) 759-7924

  • Community Frameworks

    907 W Riverside Ave, Spokane · 125 miles away

    • Home improvement and repairs
    • Workshops for new owners
    • and 2 more
    (509) 484-6733

All counseling agencies in Washington

Help in Spanish near Pasco

2 of the 3 agencies on this list say they serve 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 Pasco

HUD’s record names them for Pasco or Franklin County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • HA City of Pasco and Franklin County Public housing and Section 8 vouchers (509) 547-3581

All housing agencies in Washington Source: HUD

Cities

Other cities in Franklin County

These cities are also in Franklin County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Franklin County Housing in Washington

Nearby cities

The cities closest to Pasco, with the typical home value.

Neighboring counties

If Franklin County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Pasco.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Pasco

Short answers with the numbers for Pasco and all of Franklin 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 Pasco?

The typical home value in Pasco is $376,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Franklin County it is $379,300.

How much does it cost to rent in Pasco?

Typical rent in Pasco is $1,227 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Franklin County is $1,487.

What is the FHA loan limit in Pasco?

Pasco uses the FHA limit for all of Franklin 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 Pasco?

The typical homeowner in Pasco pays $2,708 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Franklin County, the rate is 0.73%.

Where can I find free help to buy or rent in Pasco?

We found no HUD-approved counseling agencies with an office in Franklin County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).