Cost of Living in Ephrata, WA

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4%
Overall NAT. AVG.
7%
Groceries NAT. AVG.
8%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Ephrata Washington National
Cost of living104119100
Groceries107107100
Health care108109100
Housing92138100
Transportation111112100
Utilities106110100
Lifestyle & Entertainment110112100
Household Items108107100
Education & Childcare116117100
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Homes For Sale In Ephrata, WA

property for sale

16 F St SW

Ephrata, WA
property for sale

1741 Rawhide Ct

Ephrata, WA
property for sale

309 3rd Ave SE

Ephrata, WA
property for sale

1291 Chief Joseph Dr

Ephrata, WA
See the Newest Homes For Sale In Ephrata, WA

Cost Of Living Quick Facts

  • The cost of living in Ephrata is 12% lower than the Washington average
  • The cost of living in Ephrata is 4% higher than the national average
  • Ephrata housing is 8% lower than the national average
  • Washington general sales tax is 27% higher than the national average
  • Washington state income tax is 100% lower than the national average

Most Affordable Places to Live in and Around Ephrata

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$125,593$10,466$2,930$3,768
      Renters$77,811$6,484$1,815$2,335
      A good way to judge both the affordability of the housing and the cost of living in Ephrata is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Ephrata has a median income of about $125,593 for people who own homes. Based on that number, a maximum of $2,930 should be spent on expenses related to housing. Renters have a slightly different median income, which is $77,811. Based on this average, renters should spend no more than $1,815 on all rental costs if they want to maintain a non-impoverished standard of living.

      Washington Sales Tax

      State General Sales Tax With Max Surtax
      Washington 6.5% 10.4%

      Washington Income Tax

      State Income Tax (Low) Income Tax (High)
      Washington 0% 0%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Soap Lake, WA1,626954.9%
      Moses Lake North, WA4,821981.7%
      Lakeview, WA1,0401022.2%
      Quincy, WA7,9981022.4%
      Cascade Valley, WA3,3551033.5%
      Ephrata, WA8,3901044.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Dayton, NJ8,38914342.8%
      Oradell, NJ8,38916968.7%
      Thousand Palms, CA8,38811414.4%
      Torbay, NL8,388n/a 
      Wading River, NY8,38715150.9%
      Ephrata, WA8,3901044.0%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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