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Lynden city, WA

ZIP 98264 — 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 98264

Median Home Value
$538,100
Median Rent
$1,441
Affordability Snapshot
$148,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,457/mo PITI).

18%
Rent-to-Income Ratio

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

5.7x
Home Price-to-Income Ratio

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

31.1 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 98264 in Lynden city, WA, a household would need roughly $148,000 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 $3,457. That is about 55% above the local median household income ($95,225), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
68.2%+4% vs US avg
x
Vacancy Rate
4.2%-59% vs US avg
x
Broadband Access
92.6%+6% vs US avg
x
4+ Bedrooms
7.8%-47% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
2.1%-70% vs US avg
x
Rent Burden >30%
21.6%-56% vs US avg
x
Mortgage-Free
30.3%-21% vs US avg
x
$538,100
Home Value
$1,441
Rent
1991
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached71.3%
  • 1-unit attached4.6%
  • 2-9 units10.4%
  • 10+ units7.7%
  • Mobile home & other6.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$538,100
Median rent$1,441
Owner-occupied68.2%
Vacant4.2%
Price-to-income5.7x
Est. income to buy$148,000