Thurston County, Washington home prices
Typical home $521,378 · +0.1% in a year · property tax 0.88%
The typical home in Thurston County is worth $521,378, 11% less than the Washington typical home ($587,533). Values changed +0.1% in the past year and +11.0% over five years. Homeowners here pay a median 0.88% of their home's value in property tax each year ($4,569 on the typical home), versus 0.81% statewide.
Mortgage on the typical Thurston County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $104,276 | $417,103 | $2,806 | $0 | $641 | $3,447 | $147,700 |
| 10% down | $52,138 | $469,240 | $3,157 | $196 | $641 | $3,994 | $171,200 |
| 5% down | $26,069 | $495,309 | $3,332 | $206 | $641 | $4,180 | $179,100 |
| 3.5% down (FHA) | $18,248 | $511,935 | $3,444 | $231 | $641 | $4,316 | $185,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.88% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Washington · part of the Olympia metro area.
Washington counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Chelan County | $531,212 | -0.8% | 0.71% |
| Clark County | $541,704 | +0.2% | 0.82% |
| Kittitas County | $494,987 | +0.2% | 0.71% |
| Douglas County | $494,746 | +3.4% | 0.77% |
| Clallam County | $488,467 | -1.0% | 0.72% |
| Pierce County | $559,277 | +0.2% | 0.91% |
| Skamania County | $559,410 | +0.6% | 0.67% |
| Klickitat County | $469,127 | +1.7% | 0.62% |
| Skagit County | $576,374 | +0.7% | 0.79% |
| Kitsap County | $579,133 | +1.1% | 0.77% |
Frequently asked questions
What is the average home price in Thurston County, WA?
The typical home value in Thurston County is $521,378 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Thurston County?
About $147,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Thurston County?
The median effective rate is 0.88% of home value a year (Census ACS 2024 5-year estimates).