Can You Afford a Home in Omak, WA?
A typical home in Omak is worth $264,994, up 1.1% over the past year. That is $48K below 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 Omak costs $264,994. 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 Omak compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Tonasket | $242,780 | +0.5% | $55,000 |
| Coulee Dam | $244,670 | +6.6% | $56,000 |
| Riverside | $252,763 | -0.6% | $58,000 |
| Loomis | $264,866 | -1.7% | $60,000 |
| Omak (this page) | $264,994 | +1.1% | $60,000 |
| Oroville | $266,318 | -2.9% | $60,000 |
| Okanogan | $271,764 | +0.4% | $62,000 |
If Omak is out of reach, Tonasket, Coulee Dam, Riverside, Loomis 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 Omak sell for less than $264,994, 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.