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, WA

ZIP 98286 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 98286

Median Home Value
$621,000
Median Rent
N/A
Affordability Snapshot
$171,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,989/mo PITI).

8.8x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 98286 in WA, a household would need roughly $171,000 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 $3,989. That is about 143% above the local median household income ($70,357), 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 65% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.4%+9% vs US avg
x
Vacancy Rate
65.0%+531% vs US avg
x
Broadband Access
86.9%-0% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
88.3%+131% vs US avg
x
$621,000
Home Value
N/A
Rent
1976
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached95.8%
  • 1-unit attached2.1%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other2.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$621,000
Median rent$-666,666,666
Owner-occupied71.4%
Vacant65.0%
Price-to-income8.8x
Est. income to buy$171,000