Can You Afford a Home in Onalaska, WA?
A typical home in Onalaska is worth $516,244, up 2.1% over the past year. That is $76K above the Lewis County typical of $440,705.
Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Onalaska costs $516,244. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Lewis County
Prices below are what keeps housing at 33% of gross income, using Lewis County’s 0.67% effective property tax rate. The Conventional column assumes 20% down; the zero-down columns finance the funding fee into the loan.
| Household income | Conventional | VA | Zero-down CU | FHA |
|---|---|---|---|---|
| $75,000 | $326,000 | $268,000 | $246,000 | $262,000 |
| $100,000 | $446,000 | $367,000 | $336,000 | $359,000 |
| $125,000 | $566,000 | $466,000 | $427,000 | $455,000 |
| $150,000 | $686,000 | $565,000 | $517,000 | $552,000 |
| $200,000 | $926,000 | $763,000 | $699,000 | $745,000 |
How Onalaska compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Mossyrock | $451,428 | +1.1% | $101,000 |
| Packwood | $462,839 | +2% | $104,000 |
| Winlock | $468,480 | +2.4% | $105,000 |
| Chehalis | $487,589 | +1.9% | $109,000 |
| Silver Creek | $513,282 | +1% | $114,000 |
| Onalaska (this page) | $516,244 | +2.1% | $115,000 |
| Toledo | $520,634 | +2% | $116,000 |
If Onalaska is out of reach, Mossyrock, Packwood, Winlock, Chehalis, Silver Creek sit lower in the same county — same commute shed, same schools district-by-district, less money.
What this does not tell you
These are typical values, not listings. Half the homes in Onalaska sell for less than $516,244, and condos and townhomes sit well below it. Property tax is a county-wide effective rate, so your parcel will differ. Insurance is a state average. Run your own numbers with your own quote before you take any of this as settled.