Living in Olympia (Outside City Limits): Homes, Land & What to Know
- Alicia Graham
- Apr 28
- 3 min read
(Also referred to as: Unincorporated Olympia, Olympia outskirts, or rural Olympia areas)
If you’ve been looking at homes in Olympia, you may have noticed that not every property is actually within Olympia city limits. Many homes are located just outside the city in what’s often called “unincorporated Olympia” or the surrounding rural areas.
For many buyers, this is where things can get confusing—but it’s also where you’ll find some of the most unique opportunities in Thurston County.
What Does “Unincorporated Olympia” Mean?
Unincorporated areas are parts of Thurston County that are not officially within the city of Olympia, even though they may have an Olympia address.
In many cases, you can be just minutes from downtown Olympia, shopping areas, or places like Costco and still technically be outside city limits.
The difference isn’t always obvious when you’re driving around—but it can affect things like property type, space, and lifestyle.
Why People Choose Areas Outside Olympia
Many buyers are drawn to these areas because they offer more flexibility and space compared to homes inside city limits.
Common reasons people look here:
Larger lots or acreage
More privacy
A quieter, more rural feel
Fewer HOA restrictions in some areas
At the same time, you’re often still close to everyday conveniences like shopping, schools, and major roads.
Homes & Property Types
In areas outside Olympia, you’ll typically find:
Homes on larger lots or acreage
Custom-built homes
Manufactured homes in some areas
Properties with space for shops, animals, or outdoor use
Compared to neighborhoods in Olympia or Lacey, these areas often feel less uniform and more spread out.
Pros & Cons of Living Outside City Limits
Pros:
More space and privacy
Potential for larger properties or land
Quieter, less dense environment
Flexibility with how you use your property
Cons:
May be farther from stores or services depending on location
Fewer sidewalks or walkable areas
Utilities and services can vary (well/septic in some areas)
Less of a “neighborhood” feel in some locations
Location & Accessibility
One of the biggest advantages of these areas is how close they still are to everything.
Depending on the location, you may be:
10–15 minutes from downtown Olympia
Close to major roads like I-5
Near shopping areas, grocery stores, and places like Costco
Within driving distance of parks, trails, and outdoor recreation
This makes it possible to enjoy a quieter setting without feeling too far removed.
Who It’s a Good Fit For
Living outside Olympia is a great fit for:
Buyers looking for more space or land
People who prefer a quieter, less crowded environment
Buyers who don’t need to be in a dense neighborhood
Anyone looking for more flexibility with their property
Local Insight
One thing many buyers don’t realize is how common it is to have an “Olympia address” while technically being outside city limits. The differences aren’t always obvious at first—but they can impact the feel of the property, the type of home you’ll find, and how much space you have.
Spending time in these areas and understanding how they compare to Olympia, Lacey, and Tumwater can make a big difference when choosing the right fit.
Thinking About Living Just Outside Olympia?
If you’re exploring homes in or around Olympia and want help understanding the differences between city and county areas, I’d be happy to help you find the right fit based on what you’re looking for.
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