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City · 62,753 residents · Benton County, Washington

Richland , Washington

In Richland, a typical home is worth $436,700 and typical rent is $1,468 a month. Compared with all of Benton County, typical rent is 12% higher and the typical home value is 7% higher.

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  • Typical home value

    $436,700

    7% above the county

    23% below Washington

    • Richland
    • Benton
    • Washington

  • Typical rent

    $1,468a month

    12% above the county

    17% below Washington

    • Richland
    • Benton
    • Washington

  • Typical household income

    $95,813a year

    7% above the county

    2% below Washington

    • Richland
    • Benton
    • Washington

  • Households that own their home

    64%

    3 points below the county

    1 points above Washington

    • Richland
    • Benton
    • Washington

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

Market now, with Zillow data

Zillow data
Typical home value
$462,807
about the same as 12 months ago
Typical rent
$1,697 a month
2.6% less than 12 months ago

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

Richland is in Benton 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 Benton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Richland apart

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

  1. Nearby, in Prosser, the typical rent is $944: 36% less than in Richland ($1,468).

  2. Nearby, in Prosser, the typical home value is $314,000: 28% less than in Richland ($436,700).

  3. Richland has the 16th smallest share of rent-burdened renters of the 172 cities in Washington with more than 5,000 people (39%).

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

The homes here

Housing in Richland

What homes there are in Richland, 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 Benton County, most homes in Richland are detached houses (62%).

Year built

In Richland, half of the homes were built before 1988; in Benton County, before 1988.

Much as in Benton County, 66% of homes in Richland have 3 bedrooms or more.

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 Richland sit under the FHA limit for Benton County ($541,287): about 69%.

Monthly rent with utilities

With a mortgage

$2,108 a month

Benton County: $1,993 a month

Without a mortgage

$683 a month

Benton County: $650 a month

Owners with a mortgage

63%

Benton County: 63%

Owning costs more in Richland: with a mortgage, the typical cost is $2,108 a month; in Benton County, $1,993. Without one, $683.

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 Richland gained value more slowly than in Benton County: 66% since 2015–2019, against 73%.

Much as in Benton County, the typical rent in Richland rose 35% since 2015–2019.

The typical household income in Richland rose 23%: less than home values (+66%) and rent (+35%).

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

MeasureRichlandBenton CountyWashingtonUnited States
Rental vacancy 5.4%5.0%4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room 1.5%3.4%3.5%3.4%
People per household 2.482.702.502.53
Drive alone 73%74%63%69%
Carpool 8%11%9%9%
Public transit Unreliable estimate1%3%3%
Walk or bike 2%1%4%3%
Work from home 16%13%20%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Richland look like those in Benton County: the rental vacancy rate is 5.4%.

Fewer households are short on space in Richland: 1.5% have more than one person per room; in Benton County, 3.4%.

On average, a household in Richland has 2.48 people, fewer than in Benton County (2.70).

Working from home is more common in Richland: 16%, against 13% in Benton County.

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 Richland?

A typical home costs more than the typical income allows

We start with a typical home in Richland, worth $436,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Richland, which is $95,813 a year. For that payment to be 28% of income, a household would need to earn about $153,199 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Richland. 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 $15,285 (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

$3,575

at 7.18% · 30 years

Loan amount
$428,790
Total interest
$616,928
Paid off in
November 2056

Includes $7,375 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,236 a month

  • Tight

    $2,236 to $2,874 a month

  • Hard

    more than $2,874 a month

    Your payment · 45%

Compared with the typical household income in Richland ($95,813 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,575
Principal & interest$2,905
Property tax$295
Home insurance$182
FHA mortgage insurance (MIP)$193

You need at least $15,285 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

Richland and Benton County

Richland is in Benton 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).

Richland's own numbers

Typical home value
$436,700
Typical monthly rent
$1,468
Typical yearly household income
$95,813
Households that own their home
64%
Effective property tax rate
0.81%

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

Numbers for all of Benton 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)
+46%

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 Benton County.

Everything about Benton County

Buying

Buying a home in Richland

A typical home in Richland is worth $436,700: 7% above the county and 23% below Washington. With the typical household income in Richland ($95,813 a year), a typical home costs 4.6 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.

  • Richland 4.6 years
  • Benton 4.5 years
  • Washington 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Benton County

According to FHFA’s house price index, home prices in Benton County rose 117% in the 10 years through 2025.

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

Period County Washington U.S.
Last year (2025) +3.1% +1.8% +2.9%
5 years (2020–2025) +46% +44% +47%
10 years (2015–2025) +117% +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

Richland next to Benton 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
  • Richland $436,700
  • Benton $407,800
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Richland $1,468
  • Benton $1,306
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Richland $95,813
  • Benton $89,874
  • Washington $98,141
  • United States $80,734
See the full table
Richland next to Benton County and Washington
Measure Richland Benton County Washington U.S.
Typical home value $436,700 $407,800 $564,600 $332,700
Typical monthly rent $1,468 $1,306 $1,760 $1,413
Typical yearly household income $95,813 $89,874 $98,141 $80,734
Households that own their home 64% 68% 64% 65%
Typical yearly property tax $3,558 $3,163 $4,556 $3,119
Effective property tax rate 0.81% 0.78% 0.81% 0.94%
Renters with high rent for their income 39% 48% 50% 51%

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

For a typical $436,700 home in Richland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Richland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,575a month

    Least cash to close
    Down payment
    $15,285
    Cash to close
    $28,386
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $193

  • Conventional, 5% down $3,495a month

    Down payment
    $21,835
    Cash to close
    $34,936
    Rate
    7.18%
    Mortgage insurance
    PMI · $207

  • Conventional, 20% down, no PMI $2,843a month

    Down payment
    $87,340
    Cash to close
    $100,441
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,247a month

    Down payment
    $65,505
    Cash to close
    $78,606
    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 Richland and for Benton County.

Property tax

Effective rate in Richland

0.81%of the home’s value each year

$3,558 a year for the typical owner in Richland.

  • Richland 0.81%
  • Benton 0.78%
  • 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 Benton County

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

FEMA’s maps count no homes in the high-risk zone in Benton 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 Richland

Typical rent in Richland is $1,468 a month: 12% above the county. In Richland, 39% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Benton 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 Benton 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 Richland

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Richland has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,540 in 99354 to $1,720 in 99352.

2 of the 2 are above the fair market rent for Benton County ($1,487).

  • 99352 $1,720$2,370
  • 99354 $1,540$2,120

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Richland 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 Richland

HUD lists 10 buildings with rents for lower incomes in Richland. These are the largest.

  • Tri-Cities Senior Apartments 1770 Leslie Rd, Richland 99352 145 low-income homes · For older adults (509) 627-6167
  • Copper Mountain 2555 Bella Coola Ln, Richland 99352 276 homes, 273 low-income · 1 bd: 54 · 2 bd: 138 · 3 bd: 54 · 4 bd: 30 · In service since 2019 · For people with disabilities, families
  • Vintage at Richland 1950 Bellerive Dr, Richland 99352 150 homes, 148 low-income · 1 bd: 45 · 2 bd: 105 · In service since 2006 · For older adults, people with disabilities
  • Orchard Hills Apartments 1845 Leslie Rd, Richland 99352 142 homes, 141 low-income · 1 bd: 32 · 2 bd: 56 · 3 bd: 40 · 4 bd: 14 · In service since 1994 · For families
  • Columbia Park 1682 Jadwin Ave, Richland 99354 140 homes, 138 low-income · 1 bd: 14 · 2 bd: 47 · 3 bd: 58 · 4 bd: 19 · In service since 1989 · For families (509) 946-4000

See all 33 buildings in Benton County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Richland

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 Benton 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 Richland

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

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

  • Oic of Washington

    815 Fruitvale Blvd, Yakima · 63 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 · 65 miles away · Spanish

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

  • Spokane Neighborhood Action Partners

    3102 W Whistalks Way, Spokane · 129 miles away · Spanish

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

All counseling agencies in Washington

Help in Spanish near Richland

3 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 Richland

In HUD’s record, no housing authority with an office in Benton County is named for Richland or Benton County.

One other authority has an office in Benton County: see the list Source: HUD

Cities

Other cities in Benton County

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

Everything about Benton County Housing in Washington

Nearby cities

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

Neighboring counties

If Benton 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 Richland.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Richland

Short answers with the numbers for Richland and all of Benton 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 Richland?

The typical home value in Richland is $436,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Benton County it is $407,800.

How much does it cost to rent in Richland?

Typical rent in Richland is $1,468 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Benton County is $1,487.

What is the FHA loan limit in Richland?

Richland uses the FHA limit for all of Benton 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 Richland?

The typical homeowner in Richland pays $3,558 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Benton County, the rate is 0.78%.

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

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