Total monthly cost of ownership
Cost to Own a Home in Friday Harbor, Washington
A $515,000 home here costs
$3,757per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $161,000 a year.
A standard mortgage calculator would have told you $2,808. The real number is $949 higher every month, 34% more than the payment most buyers budget for.
Compare San Juan County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Friday Harbor from a five-year rolling sample, and with about 2,685 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The San Juan County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Friday Harbor against San Juan County and Washington
| Measure | Friday Harbor | San Juan County |
|---|---|---|
| Median home value | $515,000 | $726,500 |
| Median property tax | $2,829 | $4,131 |
| Effective tax rate | 0.549% | 0.569% |
| Median gross rent | $1,571 | $1,413 |
| Population | 2,685 | 18,266 |
The weather behind that power bill
Friday Harbor sits in San Juan County, which averages a high of 73.3°F in its hottest month and a low of 36.5°F in its coldest, with 18.47" of precipitation a year and 44% of it in a single three-month stretch. That climate drives 32 cooling and 5,171 heating degree days, which is what sets the $140 electricity line above.
See the full climate breakdown for San Juan County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in San Juan County
No other places of this size are published in San Juan County.
Full San Juan County cost breakdown · Every county in Washington
Talk to someone who works this market
These are Friday Harbor averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Friday Harbor every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Friday Harbor I already own here and may sell
Common questions
How much does it cost to own a home in Friday Harbor?
A $515,000 home in Friday Harbor, Washington costs approximately $3,757 per month with 20% down at 7.24%. That is $2,808 principal and interest, $236 property tax, $76 homeowners insurance, $208 utilities and $429 set aside for maintenance.
What is the property tax rate in Friday Harbor?
Friday Harbor has an effective property tax rate of 0.549%, based on a median home value of $515,000 and median real estate taxes of $2,829. That is lower than the San Juan County average of 0.569%.
What is the average home price in Friday Harbor?
The median owner-occupied home value in Friday Harbor, Washington is $515,000, against $726,500 across San Juan County.
Is it cheaper to rent or buy in Friday Harbor?
Median gross rent in Friday Harbor is $1,571 a month, against $3,757 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Friday Harbor?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Friday Harbor, Washington at today's rate takes a household income of roughly $161,000 a year. That covers the full $3,757 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Friday Harbor, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Washington.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.