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Closing Costs: Moses Lake, WA

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Moses Lake, Washington.

Median Home Price
$325K
Population
25K
Avg Monthly Rent
$1,180
Property Tax Rate
0.98%
Moses Lake vs Washington Median
The median home price in Moses Lake is $325,000, which is 44% below the Washington state median of $580,000.

Mortgage Calculator — Moses Lake, WA

Pre-filled with Moses Lake median home price and Washington tax/insurance rates. Adjust for your property.

$
$65,000
%
%
years
WA avg
%
$
Monthly Payment (PITI)
$2,042
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,643
per month
Taxes & Insurance
$398
per month
Total Interest Paid
$332K
over 30 years
Total Loan Cost
$592K
all payments
Payment Breakdown
Loan Amount$260,000
Principal & Interest$1,643
Property Taxes$265
Homeowners Insurance$133
Total Monthly PITI$2,042

Closing Costs — Moses Lake, WA

Estimated closing costs based on Washington rates and fees applied to Moses Lake prices.

$
%
Washington: Avg closing costs 1.4% of price. Transfer tax: 1.78%.
Estimated Closing Costs
$15,866
4.9% of purchase price
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Lender Fees
$2,765
origination, underwriting
Third-Party
$3,075
appraisal, title, inspection
Government Fees
$5,785
transfer taxes, recording
Prepaids + Escrow
$4,241
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,340
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,925
Recording Fee$150
Transfer Tax$5,785
Prepaid Taxes (3 mo)$796
Prepaid Insurance (12 mo)$1,600
Prepaid Interest (15 days)$781
Escrow Reserves$1,063
Total Closing Costs$15,866

Buying a Home in Moses Lake, Washington

The median home price in Moses Lake is $325,000, 44% below the Washington state median of $580,000. With a population of 25,148, Moses Lake is a smaller market where home prices tend to be more accessible than in many parts of Washington.

Property taxes in Washington average 0.98% annually. This moderate property tax rate means a $325,000 home in Moses Lake would carry roughly $265/month in property taxes. Homeowners insurance in Washington runs approximately $1,600 per year. This is within the normal range nationally.

Average rent in Moses Lake is $1,180/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Moses Lake presents moderate affordability. The $325K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Moses Lake.
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