Can You Afford a Home in Freeland, WA?
A typical home in Freeland is worth $748,816, down 0.5% over the past year. That is $103K above the Island County typical of $645,646.
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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 Freeland costs $748,816. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Island County
Prices below are what keeps housing at 33% of gross income, using Island County’s 0.7% 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 | $324,000 | $267,000 | $245,000 | $261,000 |
| $100,000 | $444,000 | $366,000 | $335,000 | $357,000 |
| $125,000 | $563,000 | $464,000 | $425,000 | $454,000 |
| $150,000 | $683,000 | $563,000 | $516,000 | $550,000 |
| $200,000 | $922,000 | $760,000 | $696,000 | $743,000 |
How Freeland compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Oak Harbor | $536,285 | +1.6% | $119,000 |
| Coupeville | $648,429 | +2.2% | $143,000 |
| Clinton | $726,068 | +0.2% | $159,000 |
| Camano Island | $733,044 | -0.7% | $160,000 |
| Freeland (this page) | $748,816 | -0.5% | $164,000 |
| Greenbank | $777,915 | +0.4% | $170,000 |
| Langley | $780,547 | +0.2% | $170,000 |
If Freeland is out of reach, Oak Harbor, Coupeville, Clinton, Camano Island 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 Freeland sell for less than $748,816, 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.