Can You Afford a Home in Olga, WA?
A typical home in Olga is worth $947,582, up 2.9% over the past year. That is $53K above the San Juan County typical of $894,701.
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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 Olga costs $947,582. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in San Juan County
Prices below are what keeps housing at 33% of gross income, using San Juan County’s 0.57% 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 | $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 |
How Olga compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Friday Harbor | $884,213 | +0.5% | $193,000 |
| Eastsound | $922,217 | +1.9% | $201,000 |
| Olga (this page) | $947,582 | +2.9% | $206,000 |
If Olga is out of reach, Friday Harbor, Eastsound 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 Olga sell for less than $947,582, 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.