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Gold Bar city, WA

ZIP 98251 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 98251

Median Home Value
$414,900
Median Rent
$1,500
Affordability Snapshot
$114,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,665/mo PITI).

23%
Rent-to-Income Ratio

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

5.3x
Home Price-to-Income Ratio

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

23.1 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 98251 in Gold Bar city, WA, a household would need roughly $114,000 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 $2,665. That is about 45% above the local median household income ($78,512), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.8%+30% vs US avg
x
Vacancy Rate
16.1%+56% vs US avg
x
Broadband Access
90.8%+4% vs US avg
x
4+ Bedrooms
0.2%-99% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.3%-51% vs US avg
x
Mortgage-Free
24.0%-37% vs US avg
x
$414,900
Home Value
$1,500
Rent
1992
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached72.4%
  • 1-unit attached0.0%
  • 2-9 units0.3%
  • 10+ units0.4%
  • Mobile home & other26.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$414,900
Median rent$1,500
Owner-occupied84.8%
Vacant16.1%
Price-to-income5.3x
Est. income to buy$114,000