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City · 195,300 residents · Clark County, Washington

Vancouver , Washington

In Vancouver, a typical home is worth $462,400 and typical rent is $1,702 a month. Compared with all of Clark County, typical household income is 17% lower, the typical home value is 12% lower, and the share of households that own their home is 16 points lower.

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  • Typical home value

    $462,400

    12% below the county

    18% below Washington

    • Vancouver
    • Clark
    • Washington

  • Typical rent

    $1,702a month

    3% below the county

    3% below Washington

    • Vancouver
    • Clark
    • Washington

  • Typical household income

    $81,338a year

    17% below the county

    17% below Washington

    • Vancouver
    • Clark
    • Washington

  • Households that own their home

    51%

    16 points below the county

    13 points below Washington

    • Vancouver
    • Clark
    • Washington

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

Market now, with Zillow data

Zillow data
Typical home value
$498,160
about the same as 12 months ago
Typical rent
$1,803 a month
0.5% more than 12 months ago

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

Vancouver is in Clark County. The FHA loan limit ($701,500 for a one-unit home), the fair market rents and the help on this page are those of all of Clark County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Vancouver apart

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

  1. 51% of households in Vancouver own their home, against 66% in Clark County.

  2. The typical household income in Vancouver is $81,338, 17% less than in Clark County as a whole ($97,536).

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

The homes here

Housing in Vancouver

What homes there are in Vancouver, 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

The detached house is still the most common home in Vancouver, but it weighs less than in Clark County: 51% against 67%.

Year built

The typical home in Vancouver was built in 1988, 5 years before the typical one in Clark County.

Homes in Vancouver are smaller: 53% have 3 bedrooms or more; in Clark County, 69%.

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

The FHA loan limit for Clark County is $701,500, and about 85% of owner-occupied homes in Vancouver are worth less than that.

Monthly rent with utilities

About 64% of rented homes in Vancouver cost less than HUD's 2-bedroom fair market rent for Clark County ($1,878); the rest cost more.

With a mortgage

$2,035 a month

Clark County: $2,250 a month

Without a mortgage

$686 a month

Clark County: $722 a month

Owners with a mortgage

66%

Clark County: 69%

In Vancouver, 66% of owners have a mortgage, and their typical cost is $2,035 a month, against $2,250 in Clark County. Without one it drops to $686.

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

The typical home value in Vancouver rose 61% since 2015–2019, about the same as in Clark County (60%).

The typical rent in Vancouver rose 40% since 2015–2019, about the same as in Clark County (39%).

Here income did not keep up with housing: it rose 32%, while home values changed +61% and rent +40%.

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

MeasureVancouverClark CountyWashingtonUnited States
Rental vacancy 3.7%3.6%4.5%5.5%
Homeowner vacancy Unreliable estimate0.6%0.7%0.9%
More than one person per room 3.9%3.1%3.5%3.4%
People per household 2.372.622.502.53
Drive alone 69%69%63%69%
Carpool 9%7%9%9%
Public transit 1%1%3%3%
Walk or bike 3%2%4%3%
Work from home 18%19%20%15%
Other means 1%1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Clark County, the rental vacancy rate in Vancouver is 3.7%.

In Vancouver, 3.9% of households live with more than one person per room, about the same as in Clark County.

Households in Vancouver are smaller: 2.37 people on average; in Clark County, 2.62.

To get to work, 69% of workers in Vancouver drive alone; in Clark County, 69%.

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 Vancouver?

A typical home costs more than the typical income allows

We start with a typical home in Vancouver, worth $462,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Vancouver, which is $81,338 a year. For that payment to be 28% of income, a household would need to earn about $162,711 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Vancouver. 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 $16,184 (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

$3,797

at 7.18% · 30 years

Loan amount
$454,025
Total interest
$653,235
Paid off in
November 2056

Includes $7,809 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,898 a month

  • Tight

    $1,898 to $2,440 a month

  • Hard

    more than $2,440 a month

    Your payment · 56%

Compared with the typical household income in Vancouver ($81,338 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,797
Principal & interest$3,076
Property tax$324
Home insurance$193
FHA mortgage insurance (MIP)$205

You need at least $16,184 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

Vancouver and Clark County

Vancouver is in Clark 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).

Vancouver's own numbers

Typical home value
$462,400
Typical monthly rent
$1,702
Typical yearly household income
$81,338
Households that own their home
51%
Effective property tax rate
0.84%

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

Numbers for all of Clark County

FHA limit, one-unit home
$701,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,878
Price change over 5 years (FHFA)
+43%
Homes in a high flood-risk zone
0.7%

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 Clark County.

Everything about Clark County

Buying

Buying a home in Vancouver

A typical home in Vancouver is worth $462,400: 12% below the county and 18% below Washington. With the typical household income in Vancouver ($81,338 a year), a typical home costs 5.7 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.

  • Vancouver 5.7 years
  • Clark 5.4 years
  • Washington 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Clark County

According to FHFA’s house price index, home prices in Clark County rose 107% in the 10 years through 2025.

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

Period County Washington U.S.
Last year (2025) +2.0% +1.8% +2.9%
5 years (2020–2025) +43% +44% +47%
10 years (2015–2025) +107% +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

Vancouver next to Clark 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
  • Vancouver $462,400
  • Clark $522,900
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Vancouver $1,702
  • Clark $1,748
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Vancouver $81,338
  • Clark $97,536
  • Washington $98,141
  • United States $80,734
See the full table
Vancouver next to Clark County and Washington
Measure Vancouver Clark County Washington U.S.
Typical home value $462,400 $522,900 $564,600 $332,700
Typical monthly rent $1,702 $1,748 $1,760 $1,413
Typical yearly household income $81,338 $97,536 $98,141 $80,734
Households that own their home 51% 66% 64% 65%
Typical yearly property tax $3,899 $4,290 $4,556 $3,119
Effective property tax rate 0.84% 0.82% 0.81% 0.94%
Renters with high rent for their income 54% 51% 50% 51%

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

For a typical $462,400 home in Vancouver, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Vancouver's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,797a month

    Least cash to close
    Down payment
    $16,184
    Cash to close
    $30,056
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $205

  • Conventional, 5% down $3,712a month

    Down payment
    $23,120
    Cash to close
    $36,992
    Rate
    7.18%
    Mortgage insurance
    PMI · $220

  • Conventional, 20% down, no PMI $3,022a month

    Down payment
    $92,480
    Cash to close
    $106,352
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,450a month

    Down payment
    $69,360
    Cash to close
    $83,232
    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 Vancouver and for Clark County.

Property tax

Effective rate in Vancouver

0.84%of the home’s value each year

$3,899 a year for the typical owner in Vancouver.

  • Vancouver 0.84%
  • Clark 0.82%
  • 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 Clark County

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

Homes in the high-risk zone
0.7%
1,154
Of those, with NFIP insurance
29%
County Washington U.S.
Homes in the high-risk zone 0.7% 1.6% 3.5%
Of those, with NFIP insurance 29% 40% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Vancouver

Typical rent in Vancouver is $1,702 a month: 3% below the county. In Vancouver, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Clark County, by unit size. To pay the 2-bedroom one ($1,878 a month) without spending more than 30% of your income, you would need to earn $36.12 an hour working full time.

HUD fair market rent for all of Clark 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 $1,527 $29.37 $61,080
1 bedroom $1,633 $31.40 $65,320
2 bedrooms $1,878 $36.12 $75,120
3 bedrooms $2,550 $49.04 $102,000
4 bedrooms $3,069 $59.02 $122,760

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 Vancouver

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Vancouver has 6 ZIP codes with their own.

For 2 bedrooms it runs from $1,730 in 98660 to $2,060 in 98684.

2 of the 6 are above the fair market rent for Clark County ($1,878).

  • 98660 $1,730$2,360
  • 98661 $1,730$2,360
  • 98663 $1,780$2,420
  • 98664 $1,820$2,470
  • 98683 $2,000$2,720
  • 98684 $2,060$2,800

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

HUD lists 61 buildings with rents for lower incomes in Vancouver. These are the largest.

  • Springfield Meadows 4317 NE 66th Ave, Vancouver 98661 290 homes, 287 low-income · Studio: 14 · 1 bd: 72 · 2 bd: 99 · 3 bd: 57 · 4 bd: 48 · In service since 2002 · For people with disabilities, families
  • Prairie View Apartment Homes 12611 NE 99th St, Vancouver 98682 284 homes, 280 low-income · 1 bd: 66 · 2 bd: 152 · 3 bd: 66 · In service since 2008 · For people with disabilities, families
  • Prairie View Apt Homes 12611 NE 99th St, Vancouver 98682 280 low-income homes · 1 bd: 66 · 2 bd: 150 · 3 bd: 64 · In service since 2008 · For people with disabilities, families
  • Parklane Apartments 10223 NE Notchlog Dr, Vancouver 98685 260 homes, 259 low-income · Studio: 36 · 1 bd: 160 · 2 bd: 64 · In service since 2014
  • Central Park Place 1900 Fort Vancouver Way, Vancouver 98663 249 homes, 248 low-income · Studio: 123 · In service since 1999 · For people with disabilities

See all 71 buildings in Clark County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Vancouver

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

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Vancouver

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

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

  • Tacoma/ Pierce County Habitat for Humanity

    4824 S Tacoma Way, Tacoma · 109 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    253-627-5626x120

  • Catholic Charities Housing Services

    5301 Tieton Dr, Yakima · 117 miles away · Spanish

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

  • Oic of Washington

    815 Fruitvale Blvd, Yakima · 120 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

All counseling agencies in Washington

Help in Spanish near Vancouver

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 Vancouver

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

  • Housing Authority of the City of Vancouver Public housing and Section 8 vouchers (360) 694-2501

All housing agencies in Washington Source: HUD

Cities

Other cities in Clark County

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

Everything about Clark County Housing in Washington
See 2 more cities in Clark County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Clark 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 Vancouver.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Vancouver

Short answers with the numbers for Vancouver and all of Clark 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 Vancouver?

The typical home value in Vancouver is $462,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clark County it is $522,900.

How much does it cost to rent in Vancouver?

Typical rent in Vancouver is $1,702 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clark County is $1,878.

What is the FHA loan limit in Vancouver?

Vancouver uses the FHA limit for all of Clark County (2026): $701,500 for a one-unit home and $1,349,050 for a four-unit home.

How much property tax do owners pay in Vancouver?

The typical homeowner in Vancouver pays $3,899 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in Clark County, the rate is 0.82%.

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

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