Marysville offers a range of housing options for buyers looking north of Seattle, but figuring out your budget requires looking past the statewide numbers.
Key Takeaway
The median Marysville home sold for $617,956 in the 90 days ending September 30, 2026. Plan your budget around a single-family house, because that is most of the market and houses still sell quickly at or above asking even though prices are lower than a year ago. If you want room to negotiate, look at townhouses, where listings sit far longer, but expect a modest price gap and treat their figures as a rough guide based on few sales.
Who This Guide Is For
You are planning to buy in Marysville and need to settle on a realistic budget and whether a house or a townhouse fits it.
Average Home Price in Marysville, WA
Marysville's median home price is down 4.2% from a year ago. That decline shows up in the median, not at the offer table for most houses. The negotiating room sits in townhouses, though the savings there are smaller than they first appear.
These figures come from Redfin data covering the 90 days ending September 30, 2026.
Median vs. average home price in Marysville
This page uses the median rather than a mean average. Half of the sales in this window closed above the median and half below it. That means a few high-end sales can't drag the number up the way they drag a mean.
The median price per square foot of $360 is a fairer way to compare homes of different sizes. Suppose an 1,800-square-foot listing is priced well above that per-foot figure. It needs a concrete reason before you match the price, such as a larger lot, major updates or a view.
The data reports medians only. If a real estate portal shows a different average or a model estimate, it's measuring something else, so compare like with like.
How Marysville compares to Snohomish County
The Northwest Multiple Listing Service reports a $720,000 median sales price for residential homes and condominiums sold in Snohomish County in September 2026. Marysville's median sits well below that countywide figure. You give up some proximity to Seattle, but you keep more of your purchase budget.
A county median blends very different markets. Compare specific nearby cities on recent sold data before treating Marysville as cheaper for the exact kind of home you want.
Single-Family Homes vs. Townhouses in Marysville
Single-family homes made up 232 of the 254 sales in the recent 90-day window, so the average Marysville home is effectively a detached house. Your core decision is whether to compete for one of those houses or negotiate on a townhouse that saves you less than you might expect.
Single-family home prices
The median sale price for a single-family home is $620,253. Even after a year-over-year dip, 28.5% of those sales went over list.
Budget to pay full list on a fresh, well-priced house. Save any expectation of a discount for listings that have already been sitting. The year-over-year drop helps your budget more than your bargaining position.
Townhouse prices
At the current sales pace, it would take about a year to sell every townhouse listed in Marysville. That 12.1 months of supply gives you time to inspect the property, negotiate repairs or ask for concessions.
The median sale price is $582,457. Ask whether the townhouse is fee-simple or part of a condominium regime, since that affects HOA scope and FHA eligibility. Also request current HOA dues along with exactly what they cover.
Don't go in expecting substantial savings. The townhouse median sits only about $38,000 below the single-family median, and monthly HOA dues can absorb much of that. Every townhouse figure here also rests on just 10 sales, so one or two unusual transactions can swing the number.
Are Home Prices Dropping in Marysville?
The overall median is lower than a year ago, by the margin noted above. Sales pace and inventory show why that has not turned into a buyer's market for houses. This snapshot covers only the last 90 days; whether the dip continues is a question for the market outlook and monthly trends. To see how these figures fit into the bigger picture, review the Marysville housing market.
How fast Marysville homes are selling
The typical home goes under contract in a median 20 days at slightly over list price, while the typical townhouse takes 67 days. On a house, get pre-approved first and decide fast. On a townhouse past its first month on market, an offer below list is a reasonable place to start.
Medians hide individual listings. A house that has sat well past three weeks or taken a price cut may negotiate more like a townhouse. Ask the listing agent for the home's price history and days on market before you draft your offer.
How much inventory is on the market
With no new listings, the current inventory of 303 homes for sale would sell out in 3.7 months. Buyers have more to choose from than in a frenzy, but not so much that sellers need to cut prices across the board.
Inventory is a snapshot at the end of the data window, and new listings and pending sales change it weekly. Check current active counts before assuming the same selection exists today.
What It Costs to Buy a Typical Marysville Home
The figures below turn the overall median price into a budget. They are illustrative, not a loan quote. Your monthly cost depends on how much cash you bring to the table. Get a pre-approval before you shop, since it anchors the rest of the buying process, financing and closing.
Down payment options
On the median price, a 3% down payment is $18,539 on a conventional loan. An FHA loan at 3.5% down requires $21,628, while 5% down is $30,898. Putting 20% down requires $123,591, which avoids private mortgage insurance and leaves a loan of about $494,365.
For 2026, the FHA loan limit for a single-family home in Snohomish County is $1,063,750, so that loan amount falls well under the cap. The Washington State Housing Finance Commission administers several statewide down payment assistance programs for 2026.
A low down payment raises your monthly cost through mortgage insurance and a larger loan. The cash you save up front comes back every month.
Estimated monthly payment
Start with principal and interest on the loan. As of October 29, 2026, Freddie Mac reported the 30-year fixed-rate mortgage averaged 7.24%.
Then add homeowners insurance and property taxes. Marysville's predominant 2026 levy rate was $7.4860 per $1,000 of assessed value. If the home uses a well and septic system rather than city water, also budget for well water testing and a septic inspection.
Your rate depends on credit, loan type and points, and the actual tax bill depends on the parcel. Treat these as starting points, not guarantees.
Closing costs and upfront cash
Buyers in Washington can expect closing costs to amount to about 2.4% of the home's price, not including real estate agent commissions. Add this to your down payment to calculate the total upfront cash needed.
Inspections, appraisal, HOA transfer fees and prepaid taxes vary by home. Ask your lender for a Loan Estimate early to get a cash figure for your specific purchase.
Income needed to buy at the median
Under the CFPB's rules, lenders evaluate your debt-to-income ratio or residual income to determine what you can afford. Each lender sets its own debt-to-income limit and counts car loans, student loans and credit cards. Your real ceiling comes from a pre-approval, not a rule of thumb.
How to Narrow Your Marysville Price Range
- Is your ceiling above or below about $600,000? That number roughly separates the single-family and townhouse medians. Start with 'Single-family homes vs. townhouses in Marysville' to see which side of it you're shopping.
- Do you need a deal below asking, or can you compete at list price? If you need a deal, read 'How fast Marysville homes are selling' and the townhouse profile. If you can compete, the single-family profile tells you what you're up against.
- How much cash can you bring to closing? 'Down payment options' and 'Closing costs and upfront cash' show what the median requires at each down payment level.
- Is a monthly HOA payment acceptable in exchange for a lower price? If not, the townhouse savings may disappear. See the catch in 'Townhouse prices.'
These figures are citywide, so they won't show where in town your budget goes furthest. For that, compare the best neighborhoods against the most expensive areas in Marysville.
If you need help evaluating neighborhood comparisons, we can show you recent sales in specific areas.
At a Glance
- Median sale price, all homes: $617,956, down 4.2% year over year (90 days ending Sept. 30, 2026; 254 sales)
- Median sale price, single-family: $620,253, down 4.6% year over year (90 days ending Sept. 30, 2026; 232 sales)
- Median sale price, townhouses: $582,457, up 11.5% year over year (90 days ending Sept. 30, 2026; based on only 10 townhouse sales, so treat as a rough guide)
- Median price per square foot: $360 all homes, $365 single-family, $340 townhouses (90 days ending Sept. 30, 2026; townhouse figure based on 10 sales)
- Median days on market: 20 all homes, 20 single-family, 67 townhouses (90 days ending Sept. 30, 2026; townhouse figure based on 10 sales)
- Sale-to-list ratio: 100.2% all homes, 100.2% single-family, 99.5% townhouses (90 days ending Sept. 30, 2026; townhouse figure based on 10 sales)
- Share of homes sold above list price: 27.2% all homes, 28.5% single-family, 19.9% townhouses (90 days ending Sept. 30, 2026; townhouse figure based on 10 sales)
- Months of supply: 3.7 all homes, 3.3 single-family, 12.1 townhouses (90 days ending Sept. 30, 2026)
- Homes for sale (inventory): 303 all homes, 248 single-family, 40 townhouses (90 days ending Sept. 30, 2026)
Marysville, WA Home Price FAQs
What is the average house price in Washington state compared with Marysville?
Washington's statewide median sale price was $590,204 in September 2026. Marysville's overall median sits roughly $27,000 above it.
How much do you have to make to afford a $500,000 house in Washington state?
With 20% down on a $500,000 house, you would finance $400,000 at the current average rate, plus property tax and homeowners insurance. Lenders measure that payment against your income using debt-to-income guidelines, so a pre-approval gives you the exact income requirement.
How much are property taxes on a Marysville home?
At Marysville's 2026 levy rate, taxes run roughly $748.60 a year for every $100,000 of assessed value. Look up the specific parcel's current tax bill on the Snohomish County Assessor site.
Who pays the real estate excise tax when you buy a home in Marysville?
Washington's real estate excise tax is one of the seller costs and is customarily paid by the seller. Buyers and sellers can negotiate otherwise in the purchase agreement.
Do homes in Marysville, WA need flood insurance?
Lenders require flood insurance only for homes located in FEMA special flood hazard areas. Marysville has mapped flood insurance zones of A, AE and X, which include areas subject to the base flood and areas of minimal hazard. Check the specific address on the FEMA Flood Map Service Center and get an insurance quote before removing contingencies.
How much is rent in Marysville, WA compared with owning?
The median gross rent in Marysville is $1,863 per month. Compare it with the estimated monthly payment on a median-priced home, then weigh your monthly budget and long-term plans.
Which Marysville neighborhoods have the lowest home prices?
The market data reports citywide figures by property type, not medians by neighborhood. Ask your real estate agent for recent sold prices for the specific area and home type you're considering.
Sources
- Redfin: Data Center
- Northwest Multiple Listing Service: Market Snapshot
- Freddie Mac: PMMS
- Snohomish County: 2026 Press Release
- Lower.com: FHA Loan Limits Washington
- SuperMoney: Down Payment Assistance Programs in Washington State
- Bankrate: Closing Costs in Washington
- National Association of Home Builders: CFPB Issues Final Qualified Mortgage Rules
- Washington Department of Revenue: Real Estate Excise Tax
- U.S. Census Bureau: QuickFacts Marysville city, Washington
- FEMA: Flood Insurance Study for Snohomish County
