Home Affordability in San Juan County, WA
A typical home in San Juan County is worth $894,701, up 0.6% year over year. The effective property tax rate is 0.57% of value, and the 2026 conforming loan limit here is $832,750 — borrow more than that and you need a jumbo loan.
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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 San Juan County costs $894,701. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income buys here
| Household income | Conventional | VA | Zero-down CU | FHA |
|---|---|---|---|---|
| $75,000 | $307,000 | $253,000 | $231,000 | $247,000 |
| $100,000 | $429,000 | $353,000 | $323,000 | $345,000 |
| $125,000 | $551,000 | $453,000 | $414,000 | $442,000 |
| $150,000 | $673,000 | $553,000 | $506,000 | $540,000 |
| $200,000 | $917,000 | $753,000 | $689,000 | $736,000 |
Conventional assumes 20% down. VA and credit-union 100% financing assume zero down with the funding fee financed into the loan; FHA assumes 3.5% down with mortgage insurance for the life of the loan. All hold housing at 33% of gross income and cap total debt at the program’s underwriting limit.
Towns in San Juan County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Friday Harbor | $884,213 | +0.5% | $193,000 | Details |
| Eastsound | $922,217 | +1.9% | $201,000 | Details |
| Olga | $947,582 | +2.9% | $206,000 | Details |
The cheapest places in the county are Friday Harbor ($884K), Eastsound ($922K), Olga ($948K).
How the zero-down math actually works
Putting nothing down does not simply move the down payment to zero — it costs you twice. Zero-down programs price above conventional, and they finance a funding fee into the balance, so you start out owing more than the house cost. In San Juan County that difference is worth roughly $167K of purchasing power at a $150,000 income.
The exception is the VA loan. If anyone on the loan is Active Duty, Reserve, or a Veteran, it prices below conventional and charges no mortgage insurance — and the funding fee is waived entirely with any VA disability rating. It is almost always the cheapest zero-down option, and it is worth about $47K more house than a credit-union 100% loan here.