Can You Afford a Home in Olga, WA?
A typical home in Olga is worth $950,862, up 2.4% over the past year. That is $54K above the San Juan County typical of $896,993.
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 $950,862. 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 0.53% 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 | $332,000 | $273,000 | $249,000 | $266,000 |
| $100,000 | $455,000 | $373,000 | $341,000 | $365,000 |
| $125,000 | $578,000 | $474,000 | $433,000 | $463,000 |
| $150,000 | $700,000 | $575,000 | $525,000 | $561,000 |
| $200,000 | $946,000 | $776,000 | $710,000 | $758,000 |
How Olga compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Friday Harbor | $883,397 | -0.3% | $187,000 |
| Eastsound | $926,556 | +1.1% | $196,000 |
| Olga (this page) | $950,862 | +2.4% | $201,000 |
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 $950,862, 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.