Can You Afford a Home in Carlton, WA?
A typical home in Carlton is worth $489,372, down 4.3% over the past year. That is $176K above the Okanogan County typical of $313,136.
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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 Carlton costs $489,372. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Okanogan County
Prices below are what keeps housing at 33% of gross income, using Okanogan County’s 0.77% 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 | $336,000 | $277,000 | $254,000 | $271,000 |
| $100,000 | $454,000 | $375,000 | $344,000 | $366,000 |
| $125,000 | $572,000 | $473,000 | $433,000 | $462,000 |
| $150,000 | $691,000 | $570,000 | $523,000 | $557,000 |
| $200,000 | $928,000 | $766,000 | $702,000 | $749,000 |
How Carlton compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Brewster | $327,026 | +2.7% | $73,000 |
| Methow | $345,776 | -2.4% | $77,000 |
| Twisp | $441,953 | -3.5% | $97,000 |
| Pateros | $445,688 | +0.6% | $98,000 |
| Carlton (this page) | $489,372 | -4.3% | $107,000 |
| Winthrop | $608,194 | -2.4% | $133,000 |
| Mazama | $646,691 | -3.6% | $141,000 |
If Carlton is out of reach, Brewster, Methow, Twisp, Pateros 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 Carlton sell for less than $489,372, 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.