How Much House Can a Civil Engineer Afford in Seattle?
A Civil Engineer earning $118,000/year in Seattle can afford a home priced up to approximately $279,000 with a 20% down payment and a 30-year fixed mortgage at 6.95%.
| Metric | Value |
|---|---|
| Annual Salary | $118,000 |
| Monthly Take-Home (after ~28% tax) | $7,080 |
| Max Housing Budget (28% rule) | $1,982 |
| Affordable Home Price (20% down) | $279,000 |
| Down Payment Required | $55,800 |
| Monthly Mortgage Payment | $1,477 |
Tips for Homebuying in Seattle
- Save aggressively toward your $55,800 down payment goal
- Explore first-time buyer programs in Seattle for grants or favorable terms
- Get pre-approved before making offers in Seattle’s competitive market
- Factor property taxes and HOA fees into your monthly budget
FAQ
How much house can a Civil Engineer afford in Seattle?
Approximately $279,000 with 20% down and a 30-year mortgage, based on the 28% income rule.
What salary do you need to buy a house in Seattle?
Income requirements vary by home price. A Civil Engineer earning $118,000 can typically afford homes in the $223,200–$279,000 range.
Related
Mortgage Affordability Calculator 2026 | Civil Engineer Salary in Seattle 2026