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City · 6,487 residents · Cowlitz County, Washington

Woodland , Washington

In Woodland, a typical home is worth $438,800 and typical rent is $1,367 a month. Compared with all of Cowlitz County, typical rent is 13% higher, the typical home value is 10% higher, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $438,800

    10% above the county

    22% below Washington

    • Woodland
    • Cowlitz
    • Washington

  • Typical rent

    $1,367a month

    13% above the county

    22% below Washington

    • Woodland
    • Cowlitz
    • Washington

  • Typical household income

    $81,193a year

    6% above the county

    17% below Washington

    • Woodland
    • Cowlitz
    • Washington

  • Households that own their home

    56%

    12 points below the county

    8 points below Washington

    • Woodland
    • Cowlitz
    • Washington

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

Market now, with Zillow data

Zillow data
Typical home value
$588,141
1.7% more than 12 months ago

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

Woodland is in Cowlitz 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 Cowlitz County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Woodland apart

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

  1. 56% of households in Woodland own their home, against 68% in Cowlitz County.

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

The homes here

Housing in Woodland

What homes there are in Woodland, 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 Cowlitz County, most homes in Woodland are detached houses (67%).

Year built

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

$2,093 a month

Cowlitz County: $1,949 a month

Without a mortgage

$846 a month

Cowlitz County: $630 a month

Owners with a mortgage

54%

Cowlitz County: 65%

The typical cost for an owner with a mortgage in Woodland is $2,093 a month, more than in Cowlitz County ($1,949); without one, $846.

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 Woodland rose 74% since 2015–2019, less than in Cowlitz County (81%).

Rents in Woodland rose faster than in Cowlitz County: 59% since 2015–2019, against 41%.

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

MeasureWoodlandCowlitz CountyWashingtonUnited States
Rental vacancy Unreliable estimate3.4%4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate3.2%3.5%3.4%
People per household 2.352.532.502.53
Drive alone 78%82%63%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike Unreliable estimate1%4%3%
Work from home Unreliable estimate8%20%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.35 on average, against 2.53 in Cowlitz County.

To get to work, 78% of workers in Woodland drive alone; in Cowlitz County, 82%.

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 Woodland?

A typical home costs more than the typical income allows

We start with a typical home in Woodland, worth $438,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Woodland, which is $81,193 a year. For that payment to be 28% of income, a household would need to earn about $154,406 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Woodland. 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 $15,358 (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

$3,603

at 7.18% · 30 years

Loan amount
$430,852
Total interest
$619,895
Paid off in
November 2056

Includes $7,410 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,895 a month

  • Tight

    $1,895 to $2,436 a month

  • Hard

    more than $2,436 a month

    Your payment · 53%

Compared with the typical household income in Woodland ($81,193 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,603
Principal & interest$2,919
Property tax$307
Home insurance$183
FHA mortgage insurance (MIP)$194

You need at least $15,358 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

Woodland and Cowlitz County

Woodland is in Cowlitz 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).

Woodland's own numbers

Typical home value
$438,800
Typical monthly rent
$1,367
Typical yearly household income
$81,193
Households that own their home
56%
Effective property tax rate
0.84%

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

Numbers for all of Cowlitz County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,398
Price change over 5 years (FHFA)
+43%
Homes in a high flood-risk zone
4%

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 Cowlitz County.

Everything about Cowlitz County

Buying

Buying a home in Woodland

A typical home in Woodland is worth $438,800: 10% above the county and 22% below Washington. With the typical household income in Woodland ($81,193 a year), a typical home costs 5.4 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.

  • Woodland 5.4 years
  • Cowlitz 5.2 years
  • Washington 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cowlitz County

According to FHFA’s house price index, home prices in Cowlitz County rose 121% in the 10 years through 2025.

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

Period County Washington U.S.
Last year (2025) +3.7% +1.8% +2.9%
5 years (2020–2025) +43% +44% +47%
10 years (2015–2025) +121% +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

Woodland next to Cowlitz 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
  • Woodland $438,800
  • Cowlitz $397,500
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Woodland $1,367
  • Cowlitz $1,206
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Woodland $81,193
  • Cowlitz $76,531
  • Washington $98,141
  • United States $80,734
See the full table
Woodland next to Cowlitz County and Washington
Measure Woodland Cowlitz County Washington U.S.
Typical home value $438,800 $397,500 $564,600 $332,700
Typical monthly rent $1,367 $1,206 $1,760 $1,413
Typical yearly household income $81,193 $76,531 $98,141 $80,734
Households that own their home 56% 68% 64% 65%
Typical yearly property tax $3,702 $3,245 $4,556 $3,119
Effective property tax rate 0.84% 0.82% 0.81% 0.94%

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

For a typical $438,800 home in Woodland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Woodland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,603a month

    Least cash to close
    Down payment
    $15,358
    Cash to close
    $28,522
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $194

  • Conventional, 5% down $3,522a month

    Down payment
    $21,940
    Cash to close
    $35,104
    Rate
    7.18%
    Mortgage insurance
    PMI · $208

  • Conventional, 20% down, no PMI $2,868a month

    Down payment
    $87,760
    Cash to close
    $100,924
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,274a month

    Down payment
    $65,820
    Cash to close
    $78,984
    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 Woodland and for Cowlitz County.

Property tax

Effective rate in Woodland

0.84%of the home’s value each year

$3,702 a year for the typical owner in Woodland.

  • Woodland 0.84%
  • Cowlitz 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 Cowlitz County

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

Homes in the high-risk zone
4%
1,716
Of those, with NFIP insurance
31%
County Washington U.S.
Homes in the high-risk zone 4% 1.6% 3.5%
Of those, with NFIP insurance 31% 40% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Woodland

Typical rent in Woodland is $1,367 a month: 13% above the county.

HUD publishes a fair market rent for all of Cowlitz County, by unit size. To pay the 2-bedroom one ($1,398 a month) without spending more than 30% of your income, you would need to earn $26.88 an hour working full time.

HUD fair market rent for all of Cowlitz 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 $974 $18.73 $38,960
1 bedroom $1,124 $21.62 $44,960
2 bedrooms $1,398 $26.88 $55,920
3 bedrooms $1,936 $37.23 $77,440
4 bedrooms $2,337 $44.94 $93,480

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 Woodland

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Woodland is in ZIP code 98674.

For 2 bedrooms it is $1,760: $362 more than the fair market rent for Cowlitz County ($1,398).

  • 98674 $1,760$2,430

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

HUD lists 4 buildings with rents for lower incomes in Woodland. These are the largest.

  • La Casa de San Juan Diego 125 S Pekin Rd, Woodland 98674 51 homes, 50 low-income · 1 bd: 7 · 2 bd: 19 · 3 bd: 18 · 4 bd: 6 · In service since 2004 · For families
  • Woodland Meadows 120 Hillshire Dr, Woodland 98674 51 homes, 50 low-income · 1 bd: 20 · 2 bd: 14 · 3 bd: 9 · 4 bd: 8 · In service since 2006 · For families
  • Lilac Place Apartments 1313 Glenwood St, Woodland 98674 38 homes, 37 low-income · 1 bd: 8 · 2 bd: 24 · 3 bd: 6 · In service since 2015 · For people experiencing homelessness
  • Woodland II Family Housing 133 S Pekin Rd, Woodland 98674 26 homes, 25 low-income · 2 bd: 10 · 3 bd: 15 · In service since 2007 · For families

See all 14 buildings in Cowlitz County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Woodland

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

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Woodland

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

The HUD-approved agencies closest to the center of Woodland, 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 · 90 miles away

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

  • Catholic Charities Housing Services

    5301 Tieton Dr, Yakima · 114 miles away · Spanish

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

  • American Financial Solutions

    500 Pacific Avenue, Bremerton · 114 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (888) 864-8699

All counseling agencies in Washington

Help in Spanish near Woodland

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 Woodland

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

2 other authorities have an office in Cowlitz County: see the list Source: HUD

Cities

Other cities in Cowlitz County

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

Everything about Cowlitz County Housing in Washington

Nearby cities

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

Neighboring counties

If Cowlitz 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 Woodland.

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

Questions

Housing questions about Woodland

Short answers with the numbers for Woodland and all of Cowlitz 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 Woodland?

The typical home value in Woodland is $438,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cowlitz County it is $397,500.

How much does it cost to rent in Woodland?

Typical rent in Woodland is $1,367 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cowlitz County is $1,398.

What is the FHA loan limit in Woodland?

Woodland uses the FHA limit for all of Cowlitz 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 Woodland?

The typical homeowner in Woodland pays $3,702 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in Cowlitz County, the rate is 0.82%.

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

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