In Quincy, a typical home is worth $336,800 and typical rent is $1,161 a month. Compared with all of Grant County, typical household income is 20% higher and the typical home value is 12% higher.
Typical home value from Zillow, September 2021 to September 2026: from $354,110 to $423,927.
Typical rent
$1,930a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Quincy is in Grant 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 Grant County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Ephrata, the typical home value is $252,000: 25% less than in Quincy ($336,800).
2
The typical household income in Quincy is $87,902,20% more than in Grant County as a whole ($73,267).
3
Quincy has the 17th lowest typical home value of the 191 cities in Washington with more than 5,000 people ($336,800).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Quincy
What homes there are in Quincy, 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
Quincy
Grant County
Washington
United States
Kind of home: Quincy and its comparisons
Measure
Quincy
Grant County
Washington
United States
Detached house
75%
59%
62%
61%
Attached house
Unreliable estimate
3%
4%
6%
Building of 2 to 4
Unreliable estimate
6%
6%
8%
Apartments (5 or more)
Unreliable estimate
9%
22%
19%
Mobile home
Unreliable estimate
24%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Quincy, 8 in 10 homes are single-family detached houses; in Grant County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Quincy
Grant County
Washington
United States
Year built: Quincy and its comparisons
Measure
Quincy
Grant County
Washington
United States
Before 1960
27%
22%
21%
26%
1960–1979
21%
20%
23%
24%
1980–1999
Unreliable estimate
25%
27%
25%
2000–2009
Unreliable estimate
17%
15%
14%
2010 or later
32%
15%
14%
11%
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–$300K25%
$300K–$500K51%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Quincy and its comparisons
Measure
Quincy
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
25%
$300K–$500K
51%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49948%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Quincy and its comparisons
Measure
Quincy
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
48%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,694 a month
Grant County: $1,670 a month
Without a mortgage
$394 a month
Grant County: $474 a month
Owners with a mortgage
62%
Grant County: 57%
The typical cost for an owner with a mortgage in Quincy is $1,694 a month, near the figure in Grant County ($1,670).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Quincy+119%
Grant County+69%
Washington+67%
United States+53%
Typical rent
Quincy+50%
Grant County+42%
Washington+40%
United States+33%
Typical household income
Quincy+49%
Grant County+32%
Washington+33%
United States+29%
Change since 2015–2019: Quincy and its comparisons
Measure
Quincy
Grant County
Washington
United States
Typical home value
+119%
+69%
+67%
+53%
Typical rent
+50%
+42%
+40%
+33%
Typical household income
+49%
+32%
+33%
+29%
The typical home value in Quincy rose 119% since 2015–2019, more than in Grant County (69%).
The typical rent in Quincy rose 50% over the same time; in Grant County, it rose 42%.
To compare: typical income in Quincy rose 49%; the home, +119%; the rent, +50%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Quincy and its comparisons
Measure
Quincy
Grant County
Washington
United States
Rental vacancy
Unreliable estimate
3.2%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
1.1%
0.7%
0.9%
More than one person per room
Unreliable estimate
6.5%
3.5%
3.4%
People per household
3.00
2.79
2.50
2.53
Drive alone
79%
73%
63%
69%
Carpool
Unreliable estimate
12%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
3%
3%
Walk or bike
Unreliable estimate
2%
4%
3%
Work from home
Unreliable estimate
10%
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
Households in Quincy are bigger: 3.00 people on average; in Grant County, 2.79.
To get to work, 79% of workers in Quincy drive alone; in Grant County, 73%.
Do the math
What would you pay each month for a home in Quincy?
A typical home costs more than the typical income allows
We start with a typical home in Quincy, worth $336,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Quincy, which is $87,902 a year. For that payment to be 28% of income, a household would need to earn about $116,590 a year.
The calculator's FHA and conventional loan limits are those of all of Grant 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 Quincy. 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 $11,788 (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
$2,720
at 7.18% · 30 years
Loan amount
$330,700
Total interest
$475,799
Paid off in
November 2056
Includes $5,688 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,051 a month
Tight
$2,051 to $2,637 a month
Hard
more than $2,637 a month
Your payment · 37%
Compared with the typical household income in Quincy ($87,902 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,240
Property tax
$191
Home insurance
$140
FHA mortgage insurance (MIP)
$149
You need at least $11,788 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 $2,720; principal and interest $2,240.
The city and its county
Quincy and Grant County
Quincy is in Grant 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).
Quincy
Map of Grant County, Washington, with Quincy marked. Around it, the neighboring counties.
Quincy
Grant County
Other cities with a page
Quincy's own numbers
Typical home value
$336,800
Typical monthly rent
$1,161
Typical yearly household income
$87,902
Households that own their home
65%
Effective property tax rate
0.68%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Grant County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,361
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
2.7%
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 Grant County.
A typical home in Quincy is worth $336,800: 12% above the county and 40% below Washington. With the typical household income in Quincy ($87,902 a year), a typical home costs 3.8 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.
Quincy3.8 years
Grant4.1 years
Washington5.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Grant County
According to FHFA’s house price index, home prices in Grant County rose 109% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Grant County.
Yearly change in FHFA’s price index in Grant County, 2016 to 2025
2016: +5.0% +5.0% 2016
2017: +4.7% +4.7% 2017
2018: +8.0% +8.0% 2018
2019: +7.6% +7.6% 2019
2020: +6.3% +6.3% 2020
2021: +18.0% +18.0% 2021
2022: +18.3% +18.3% 2022
2023: +6.8% +6.8% 2023
2024: +2.7% +2.7% 2024
2025: +0.7% +0.7% 2025
Change in FHFA’s price index in Grant County, Washington and the United States
Period
County
Washington
U.S.
Last year (2025)
+0.7%
+1.8%
+2.9%
5 years (2020–2025)
+54%
+44%
+47%
10 years (2015–2025)
+109%
+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
Quincy next to Grant 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
Quincy$336,800
Grant$299,500
Washington$564,600
United States$332,700
Typical monthly rent
Quincy$1,161
Grant$1,116
Washington$1,760
United States$1,413
Typical yearly household income
Quincy$87,902
Grant$73,267
Washington$98,141
United States$80,734
See the full table
Quincy next to Grant County and Washington
Measure
Quincy
Grant County
Washington
U.S.
Typical home value
$336,800 ▲12% above the county
$299,500
$564,600
$332,700
Typical monthly rent
$1,161 ▲4% above the county
$1,116
$1,760
$1,413
Typical yearly household income
$87,902 ▲20% above the county
$73,267
$98,141
$80,734
Households that own their home
65% ▼2 points below the county
66%
64%
65%
Typical yearly property tax
$2,275 ▼3% below the county
$2,339
$4,556
$3,119
Effective property tax rate
0.68% ▼0.1 points below the county
0.78%
0.81%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Grant 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 Quincy
For a typical $336,800 home in Quincy, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Quincy's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,720a month
Least cash to close
Down payment
$11,788
Cash to close
$21,892
Rate
7.18%
Mortgage insurance
FHA MIP · $149
Conventional, 5% down$2,659a month
Down payment
$16,840
Cash to close
$26,944
Rate
7.18%
Mortgage insurance
PMI · $160
Conventional, 20% down, no PMI$2,156a month
Down payment
$67,360
Cash to close
$77,464
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,468a month
Down payment
$50,520
Cash to close
$60,624
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Quincy
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,720
$11,788
$330,700
7.18%
FHA MIP · $149
$21,892
580
Conventional, 5% down
$2,659
$16,840
$319,960
7.18%
PMI · $160
$26,944
620*
Conventional, 20% down, no PMI
$2,156
$67,360
$269,440
7.18%
None
$77,464
620*
ITIN, 15% down (example)
$2,468
$50,520
$286,280
8.18%
None
$60,624
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 Quincy is $1,161 a month: 4% above the county.
HUD publishes a fair market rent for all of Grant County, by unit size. To pay the 2-bedroom one ($1,361 a month) without spending more than 30% of your income, you would need to earn $26.17 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 Grant County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,034
$19.88
$41,360
1 bedroom
$1,040
$20.00
$41,600
2 bedrooms
$1,361
$26.17
$54,440
3 bedrooms
$1,850
$35.58
$74,000
4 bedrooms
$2,275
$43.75
$91,000
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 Quincy
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Quincy is in ZIP code 98848.
For 2 bedrooms it is $1,390: $29 more than the fair market rent for Grant County ($1,361).
Fair market rent by ZIP code and size in Quincy, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
98848
$1,050
$1,060
$1,390
$1,890
$2,320
ZIP code2 bd3 bd
98848 $1,390$1,890
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Quincy 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 6 buildings with rents for lower incomes in Quincy. These are the largest.
Casa Kino705 Central Ave N, Quincy 9884851 homes, 50 low-income · 2 bd: 20 · 3 bd: 31 · In service since 2013
ST. Martha Plaza125 E Deacon Ave, Quincy 9884851 homes, 50 low-income · 2 bd: 16 · 3 bd: 32 · 4 bd: 3 · In service since 2010
Birch Street Apartments1010 Birch St SW, Quincy 9884826 homes, 25 low-income · 3 bd: 18 · 4 bd: 8 · In service since 2001 · For people with disabilities, families
Park View Apartments500 E St NE, Quincy 9884826 homes, 25 low-income · 3 bd: 16 · 4 bd: 10 · In service since 2005 · For people with disabilities, families, people experiencing homelessness
Third Avenue Apartments300 E St NE, Quincy 9884826 homes, 25 low-income · 3 bd: 16 · 4 bd: 10 · In service since 2004 · For people with disabilities, families, people experiencing homelessness
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 Grant 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 Quincy or Grant County. The ones below are statewide in Washington: they work in Quincy 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 Quincy or Grant 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 Quincy and all of Grant 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 Quincy?
The typical home value in Quincy is $336,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Grant County it is $299,500.
How much does it cost to rent in Quincy?
Typical rent in Quincy is $1,161 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Grant County is $1,361.
What is the FHA loan limit in Quincy?
Quincy uses the FHA limit for all of Grant 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 Quincy?
The typical homeowner in Quincy pays $2,275 a year, according to the U.S. Census Bureau. That is 0.68% of the home’s value; in Grant County, the rate is 0.78%.
Where can I find free help to buy or rent in Quincy?
We found no HUD-approved counseling agencies with an office in Grant County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
