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Big Lake CDP, WA

ZIP 98274 — 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 98274

Median Home Value
$492,400
Median Rent
$1,496
Affordability Snapshot
$136,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,163/mo PITI).

19%
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.

27.4 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 98274 in Big Lake CDP, WA, a household would need roughly $136,000 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 $3,163. That is about 45% above the local median household income ($93,762), 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
77.2%+18% vs US avg
x
Vacancy Rate
8.6%-17% vs US avg
x
Broadband Access
95.2%+9% vs US avg
x
4+ Bedrooms
6.3%-57% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
23.7%-52% vs US avg
x
Mortgage-Free
34.1%-11% vs US avg
x
$492,400
Home Value
$1,496
Rent
1989
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached79.6%
  • 1-unit attached2.1%
  • 2-9 units8.1%
  • 10+ units5.1%
  • Mobile home & other5.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$492,400
Median rent$1,496
Owner-occupied77.2%
Vacant8.6%
Price-to-income5.3x
Est. income to buy$136,000