Can You Afford a Home in Omak, WA?
A typical home in Omak is worth $269,018, up 1.7% over the past year. That is $48K below the Okanogan County typical of $317,305.
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 $269,018. 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 0.76% 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 | $321,000 | $265,000 | $243,000 | $259,000 |
| $100,000 | $440,000 | $363,000 | $333,000 | $355,000 |
| $125,000 | $559,000 | $461,000 | $423,000 | $451,000 |
| $150,000 | $677,000 | $559,000 | $512,000 | $546,000 |
| $200,000 | $914,000 | $755,000 | $692,000 | $738,000 |
How Omak compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Coulee Dam | $249,178 | +7.7% | $60,000 |
| Tonasket | $249,250 | +1.7% | $60,000 |
| Riverside | $257,571 | +0.3% | $62,000 |
| Loomis | $264,782 | -1.3% | $63,000 |
| Oroville | $267,270 | -2% | $64,000 |
| Omak (this page) | $269,018 | +1.7% | $64,000 |
| Okanogan | $275,138 | +0.7% | $65,000 |
If Omak is out of reach, Coulee Dam, Tonasket, Riverside, Loomis, Oroville 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 $269,018, 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.