Your Ultimate Guide to Relocating to Olympia: Cost of Living, Best Neighborhoods and Lifestyle Perks
- evergreenkeygroup
- Feb 19
- 4 min read
Moving to a new city can feel overwhelming, especially when that city offers a unique blend of small-town charm and access to urban amenities. Olympia, Washington, is a growing destination for military families, state employees, first-time homebuyers, and anyone seeking a balanced lifestyle near the water and nature. If you’re considering relocating here, this guide covers everything you need to know—from cost of living to the best neighborhoods and lifestyle benefits.
Cost of Living Compared to Seattle and Tacoma
Olympia offers a more affordable cost of living than Seattle and Tacoma, making it attractive for those looking to stretch their housing budget without sacrificing quality of life. Housing prices in Olympia are generally 20-30% lower than Seattle’s, with median home prices around $450,000 compared to Seattle’s $700,000+. Utilities, groceries, and transportation costs also tend to be slightly lower.
This affordability makes Olympia a smart choice for families and first-time buyers who want more space and a quieter environment. While property taxes are comparable to other parts of Washington State, the overall monthly expenses tend to be friendlier here.
Best Neighborhoods for Families
Families moving to Olympia often look for safe neighborhoods with good schools and parks. Some popular family-friendly areas include:
East Olympia: Known for spacious homes, quiet streets, and proximity to schools like Olympia High School and Avanti High School.
West Olympia: Offers access to parks such as Priest Point Park and good elementary schools.
Tumwater: Just south of Olympia, Tumwater has affordable housing and family-oriented amenities.
These neighborhoods provide a strong sense of community and access to outdoor activities, making them ideal for raising children.
Best Neighborhoods for Military Personnel (JBLM Commute)
For military families stationed at Joint Base Lewis-McChord (JBLM), commute time is a key factor. Olympia is about a 30-40 minute drive to JBLM, depending on traffic. Neighborhoods that balance commute and lifestyle include:
South Olympia: Offers quick access to I-5 and a variety of housing options.
Lacey: Just east of Olympia, Lacey provides affordable homes and is closer to JBLM.
Tumwater: Also a good option for shorter commutes and family-friendly living.
These areas provide convenience without sacrificing the peaceful, small-town feel that Olympia is known for.
Best Neighborhoods for State Employees Near Capitol Campus
State employees working near the Capitol Campus benefit from neighborhoods within easy reach of downtown Olympia. Consider:
Downtown Olympia: Walkable neighborhoods with condos and historic homes, close to government offices.
Eastside Olympia: Offers a mix of older homes and new developments, with easy access to the Capitol.
South Capitol Neighborhood: Quiet residential streets just minutes from work.
Living near the Capitol Campus means less time commuting and more time enjoying Olympia’s vibrant community events and local dining.
Best Neighborhoods for First-Time Buyers
First-time buyers often look for affordability, good schools, and access to amenities. Some neighborhoods to explore include:
West Olympia: Offers a range of homes at reasonable prices.
Lacey: Known for newer developments and family-friendly neighborhoods.
East Olympia: Provides a mix of older and newer homes with good value.
These areas allow first-time buyers to enter the market without compromising on quality or location.
Property Taxes Overview
Washington State does not have an income tax, but property taxes are a key consideration. Olympia’s property tax rate averages around 1.1% of assessed home value. This rate is similar to other cities in Thurston County. Property taxes fund local schools, public safety, and infrastructure, so they are an important part of community investment.
For example, a $450,000 home in Olympia would have an annual property tax bill of approximately $4,950. It’s wise to factor this into your budget when planning your move.
Commute Times in Olympia
Olympia’s traffic is generally lighter than Seattle’s, which means shorter and less stressful commutes. Average commute times range from 15 to 30 minutes within the city. For those commuting to Seattle or Tacoma, expect longer drives—about 1 to 1.5 hours depending on traffic.
Public transportation options include Intercity Transit buses, which serve Olympia and surrounding areas. Many residents find that living in Olympia allows them to avoid the heavy congestion common in larger metro areas.
School Districts in Olympia
Olympia is served by the Olympia School District, which includes several highly rated elementary, middle, and high schools. Notable schools include:
Capital High School
Olympia High School
Marshall Middle School
The district emphasizes strong academics, arts, and athletics. Nearby districts like Tumwater and North Thurston also offer quality education options, providing families with choices based on their neighborhood.
Lifestyle Perks of Living in Olympia
Olympia’s lifestyle is one of its biggest draws. Residents enjoy:
Water Access: The city sits on the southern end of Puget Sound, with easy access to boating, fishing, and waterfront parks.
Hiking and Nature: Nearby trails like the Nisqually National Wildlife Refuge and Capitol State Forest offer miles of hiking and biking.
Small-Town Feel: Despite being the state capital, Olympia maintains a relaxed atmosphere with local farmers markets, art galleries, and community events.
Cultural Scene: From live music to theater, Olympia has a vibrant cultural life that appeals to all ages.
This combination of outdoor activities and community spirit makes Olympia a welcoming place to call home.
If you’re relocating from out of town, we can walk you through Olympia virtually and help you buy with confidence. Reach out to Mel and Zack Durham at EXP Realty | PNW Homes Group 360.481.2073 or melandzack@pnwhomesgroup.com to start your journey.
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