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First-time home buyer programs in Aberdeen, WA

Quick answer

First-time buyers in Aberdeen, WA can use 3%-down conventional loans (up to the $832,750 Grays Harbor County conforming limit), 3.5%-down FHA, or VA and USDA where eligible. On the $225,100 median home, 3% down is about $6,753 and the estimated payment is $1,830/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $52,181; value-to-income ratio 4.31. Aberdeen ranks 129 by home value and 84 by population among 131 places in our WA dataset.

What does a first-time buyer loan cost on a typical Aberdeen home?

ItemAberdeen
Median home value (Census ACS)$225,100
Washington median home value$519,800
Down payment (3%)$6,753
Loan amount$218,347
Estimated monthly payment (PITI + MI)$1,830
Income needed (28% / 36%)$79,000 / $62,000
Grays Harbor County 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Washington's 0.84% effective property tax rate (Census ACS), $1,232/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Aberdeen?

Aberdeen is in Grays Harbor County. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $541,287.

The Aberdeen median home value of $225,100 is 57% below the Washington median, and within what the county limit supports.

Which down payment assistance programs can Aberdeen buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

First-time buyer loans in nearby cities

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First-time buyer loan FAQs for Aberdeen

On the $225,100 median: 3% conventional ≈ $6,753, 3.5% FHA ≈ $7,879, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Grays Harbor County become jumbo loans.

At the $225,100 median value (below the Washington median of $519,800), the estimated payment of $1,830/month at 7.18% needs about $79,000 a year under the 28% housing guideline, or $62,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.