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Lake Marcel-Stillwater CDP, WA

ZIP 98014 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 98014

Median Home Value
$849,500
Median Rent
$1,712
Affordability Snapshot
$234,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,457/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

41.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 98014 in Lake Marcel-Stillwater CDP, WA, a household would need roughly $234,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $5,457. That is about 48% above the local median household income ($157,680), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
90.5%+38% vs US avg
x
Vacancy Rate
2.4%-77% vs US avg
x
Broadband Access
93.1%+7% vs US avg
x
4+ Bedrooms
3.8%-74% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
27.6%-44% vs US avg
x
Mortgage-Free
26.6%-30% vs US avg
x
$849,500
Home Value
$1,712
Rent
1990
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached87.1%
  • 1-unit attached0.0%
  • 2-9 units2.1%
  • 10+ units1.0%
  • Mobile home & other9.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$849,500
Median rent$1,712
Owner-occupied90.5%
Vacant2.4%
Price-to-income5.4x
Est. income to buy$234,000