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City · 32,229 residents · Whitman County, Washington

Pullman , Washington

In Pullman, a typical home is worth $424,800 and typical rent is $1,062 a month. Compared with all of Whitman County, the typical home value is 18% higher, typical household income is 16% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $424,800

    18% above the county

    25% below Washington

    • Pullman
    • Whitman
    • Washington

  • Typical rent

    $1,062a month

    About the same as the county

    40% below Washington

    • Pullman
    • Whitman
    • Washington

  • Typical household income

    $46,812a year

    16% below the county

    52% below Washington

    • Pullman
    • Whitman
    • Washington

  • Households that own their home

    32%

    15 points below the county

    32 points below Washington

    • Pullman
    • Whitman
    • Washington

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

Market now, with Zillow data

Zillow data
Typical home value
$427,661
1.2% less than 12 months ago
Typical rent
$1,454 a month
0.5% less than 12 months ago

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

Pullman is in Whitman County. The FHA loan limit ($579,600 for a one-unit home), the fair market rents and the help on this page are those of all of Whitman County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pullman apart

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

  1. Pullman has the lowest typical household income of the 194 cities in Washington with more than 5,000 people: $46,812.

  2. Pullman has the 2nd lowest homeownership rate of the 191 cities in Washington with more than 5,000 people (32%).

  3. Nearby, in Clarkston, the typical home value is $253,500: 40% less than in Pullman ($424,800).

  4. Pullman has the 9th lowest typical rent of the 190 cities in Washington with more than 5,000 people ($1,062).

  5. The typical home in Pullman is worth $424,800, 18% more than in Whitman County as a whole ($359,600).

  6. Pullman has the 12th largest share of rent-burdened renters of the 172 cities in Washington with more than 5,000 people (64%).

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

The homes here

Housing in Pullman

What homes there are in Pullman, 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

Many people here live in apartments: 5 in 10 homes; in Whitman County, 3.

Year built

Homes in Pullman are newer: the typical year built is 1984; in Whitman County, 1977.

Homes in Pullman are smaller: 42% have 3 bedrooms or more; in Whitman County, 51%.

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
Monthly rent with utilities

With a mortgage

$2,166 a month

Whitman County: $1,858 a month

Without a mortgage

$650 a month

Whitman County: $572 a month

Owners with a mortgage

68%

Whitman County: 59%

In Pullman, 68% of owners have a mortgage, and their typical cost is $2,166 a month, against $1,858 in Whitman County. Without one it drops to $650.

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

Homes in Pullman gained value more slowly than in Whitman County: 56% since 2015–2019, against 65%.

Much as in Whitman County, the typical rent in Pullman rose 28% since 2015–2019.

While home values in Pullman changed +56% and rent +28%, the typical household income rose 49%.

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

MeasurePullmanWhitman CountyWashingtonUnited States
Rental vacancy 17.5%16.6%4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate1.0%3.5%3.4%
People per household 2.072.182.502.53
Drive alone 59%63%63%69%
Carpool 9%11%9%9%
Public transit 4%3%3%3%
Walk or bike 15%12%4%3%
Work from home 11%10%20%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Pullman look like those in Whitman County: the rental vacancy rate is 17.5%.

On average, a household in Pullman has 2.07 people, fewer than in Whitman County (2.18).

Many here get to work on foot or by bike: 15%, more than in Whitman County (12%).

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 Pullman?

A typical home costs more than the typical income allows

We start with a typical home in Pullman, worth $424,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 89% of the typical household income in Pullman, which is $46,812 a year. For that payment to be 28% of income, a household would need to earn about $148,721 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pullman. 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 $14,868 (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

$3,470

at 7.18% · 30 years

Loan amount
$417,106
Total interest
$600,117
Paid off in
November 2056

Includes $7,174 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,092 a month

  • Tight

    $1,092 to $1,404 a month

  • Hard

    more than $1,404 a month

    Your payment · 89%

Compared with the typical household income in Pullman ($46,812 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,470
Principal & interest$2,826
Property tax$280
Home insurance$177
FHA mortgage insurance (MIP)$188

You need at least $14,868 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

Pullman and Whitman County

Pullman is in Whitman 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).

Pullman's own numbers

Typical home value
$424,800
Typical monthly rent
$1,062
Typical yearly household income
$46,812
Households that own their home
32%
Effective property tax rate
0.79%

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

Numbers for all of Whitman County

FHA limit, one-unit home
$579,600
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,269
Price change over 5 years (FHFA)
+44%

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 Whitman County.

Everything about Whitman County

Buying

Buying a home in Pullman

A typical home in Pullman is worth $424,800: 18% above the county and 25% below Washington. With the typical household income in Pullman ($46,812 a year), a typical home costs 9.1 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.

  • Pullman 9.1 years
  • Whitman 6.5 years
  • Washington 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Whitman County

According to FHFA’s house price index, home prices in Whitman County rose 87% in the 10 years through 2025.

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

Period County Washington U.S.
Last year (2025) +1.0% +1.8% +2.9%
5 years (2020–2025) +44% +44% +47%
10 years (2015–2025) +87% +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

Pullman next to Whitman 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
  • Pullman $424,800
  • Whitman $359,600
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Pullman $1,062
  • Whitman $1,049
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Pullman $46,812
  • Whitman $55,406
  • Washington $98,141
  • United States $80,734
See the full table
Pullman next to Whitman County and Washington
Measure Pullman Whitman County Washington U.S.
Typical home value $424,800 $359,600 $564,600 $332,700
Typical monthly rent $1,062 $1,049 $1,760 $1,413
Typical yearly household income $46,812 $55,406 $98,141 $80,734
Households that own their home 32% 47% 64% 65%
Typical yearly property tax $3,350 $2,691 $4,556 $3,119
Effective property tax rate 0.79% 0.75% 0.81% 0.94%
Renters with high rent for their income 64% 62% 50% 51%

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

For a typical $424,800 home in Pullman, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pullman's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,470a month

    Least cash to close
    Down payment
    $14,868
    Cash to close
    $27,612
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $188

  • Conventional, 5% down $3,392a month

    Down payment
    $21,240
    Cash to close
    $33,984
    Rate
    7.18%
    Mortgage insurance
    PMI · $202

  • Conventional, 20% down, no PMI $2,759a month

    Down payment
    $84,960
    Cash to close
    $97,704
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,152a month

    Down payment
    $63,720
    Cash to close
    $76,464
    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 Pullman and for Whitman County.

Property tax

Effective rate in Pullman

0.79%of the home’s value each year

$3,350 a year for the typical owner in Pullman.

  • Pullman 0.79%
  • Whitman 0.75%
  • 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 Whitman County

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

FEMA’s maps count no homes in the high-risk zone in Whitman 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 Pullman

Typical rent in Pullman is $1,062 a month: about the same as the county. In Pullman, 64% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Whitman County, by unit size. To pay the 2-bedroom one ($1,269 a month) without spending more than 30% of your income, you would need to earn $24.40 an hour working full time.

HUD fair market rent for all of Whitman 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 $884 $17.00 $35,360
1 bedroom $1,001 $19.25 $40,040
2 bedrooms $1,269 $24.40 $50,760
3 bedrooms $1,757 $33.79 $70,280
4 bedrooms $2,121 $40.79 $84,840

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 Pullman

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pullman is in ZIP code 99163.

For 2 bedrooms it is $1,330: $61 more than the fair market rent for Whitman County ($1,269).

  • 99163 $1,330$1,840

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pullman 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 Pullman

HUD lists 8 buildings with rents for lower incomes in Pullman. These are the largest.

  • River View Apartments 1155 Northeast Bypass Drive, Pullman 99163 56 homes, 55 low-income · 1 bd: 8 · 2 bd: 22 · 3 bd: 26 · In service since 2020 · For people experiencing homelessness
  • Northwood Manor 1590 NE Northwood Dr, Pullman 99163 51 homes, 50 low-income · 2 bd: 17 · 3 bd: 21 · 4 bd: 13 · In service since 1998 · For people with disabilities, families
  • Outlook, the 620 NE Kamiaken St, Pullman 99163 51 homes, 50 low-income · 2 bd: 25 · 3 bd: 25 · In service since 1997 · For people with disabilities, families
  • Palouse Trace 375 NE Terre View Dr, Pullman 99163 51 homes, 50 low-income · 2 bd: 12 · 3 bd: 27 · 4 bd: 12 · In service since 1997 · For people with disabilities, families
  • Pioneer Square Apartments 220 SE Kamiaken St, Pullman 99163 45 low-income homes · For older adults (509) 332-1106

See all 13 buildings in Whitman County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Pullman

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 Whitman 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 Pullman

No down payment, repair or rent-help program on our list is for Pullman or Whitman County. The ones below are statewide in Washington: they work in Pullman 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 Pullman

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

  • Community Frameworks

    907 W Riverside Ave, Spokane · 65 miles away

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

  • Spokane Neighborhood Action Partners

    3102 W Whistalks Way, Spokane · 67 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (509) 456-7627

  • Rural Resources Community Action

    956 S Main St, Colville · 129 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (509) 685-6055

All counseling agencies in Washington

Help in Spanish near Pullman

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 Pullman

HUD lists no housing authority with an office in Whitman County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Washington Source: HUD

Cities

Nearby cities

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

Everything about Whitman County Housing in Washington

Neighboring counties

If Whitman 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 Pullman.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Pullman

Short answers with the numbers for Pullman and all of Whitman 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 Pullman?

The typical home value in Pullman is $424,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Whitman County it is $359,600.

How much does it cost to rent in Pullman?

Typical rent in Pullman is $1,062 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Whitman County is $1,269.

What is the FHA loan limit in Pullman?

Pullman uses the FHA limit for all of Whitman County (2026): $579,600 for a one-unit home and $1,114,650 for a four-unit home.

How much property tax do owners pay in Pullman?

The typical homeowner in Pullman pays $3,350 a year, according to the U.S. Census Bureau. That is 0.79% of the home’s value; in Whitman County, the rate is 0.75%.

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

We found no HUD-approved counseling agencies with an office in Whitman 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).