Can You Afford a Home in Odessa, WA?
A typical home in Odessa is worth $217,954, down 1.9% over the past year. That is $103K below the Lincoln County typical of $320,606.
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Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Odessa costs $217,954. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Lincoln County
Prices below are what keeps housing at 33% of gross income, using Lincoln County’s 0.6% 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 | $343,000 | $282,000 | $258,000 | $276,000 |
| $100,000 | $465,000 | $382,000 | $350,000 | $373,000 |
| $125,000 | $586,000 | $482,000 | $441,000 | $471,000 |
| $150,000 | $708,000 | $582,000 | $532,000 | $568,000 |
| $200,000 | $951,000 | $781,000 | $715,000 | $763,000 |
How Odessa compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Odessa (this page) | $217,954 | -1.9% | $49,000 |
| Wilbur | $291,434 | +1.1% | $64,000 |
| Davenport | $366,028 | -0.4% | $80,000 |
| Creston | $368,610 | -1.2% | $80,000 |
| Reardan | $399,407 | -2.1% | $87,000 |
What this does not tell you
These are typical values, not listings. Half the homes in Odessa sell for less than $217,954, 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.