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Seattle city, WA

ZIP 98101 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 98101

Median Home Value
$741,400
Median Rent
$2,367
Affordability Snapshot
$204,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,763/mo PITI).

22%
Rent-to-Income Ratio

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

5.8x
Home Price-to-Income Ratio

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

26.1 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 98101 in Seattle city, WA, a household would need roughly $204,000 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 $4,763. That is about 59% above the local median household income ($128,143), 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

Vacancy rate 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
15.7%-76% vs US avg
x
Vacancy Rate
14.8%+44% vs US avg
x
Broadband Access
92.5%+6% vs US avg
x
4+ Bedrooms
0.4%-97% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
3.1%-54% vs US avg
x
Rent Burden >30%
16.6%-67% vs US avg
x
Mortgage-Free
46.4%+21% vs US avg
x
$741,400
Home Value
$2,367
Rent
1997
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached2.0%
  • 1-unit attached0.4%
  • 2-9 units0.7%
  • 10+ units96.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$741,400
Median rent$2,367
Owner-occupied15.7%
Vacant14.8%
Price-to-income5.8x
Est. income to buy$204,000