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Kayak Point CDP, WA

ZIP 98292 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 98292

Median Home Value
$610,700
Median Rent
$1,585
Affordability Snapshot
$168,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,923/mo PITI).

19%
Rent-to-Income Ratio

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

6.0x
Home Price-to-Income Ratio

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

32.1 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 98292 in Kayak Point CDP, WA, a household would need roughly $168,000 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 $3,923. That is about 66% above the local median household income ($101,161), 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
80.5%+23% vs US avg
x
Vacancy Rate
6.2%-40% vs US avg
x
Broadband Access
91.3%+5% vs US avg
x
4+ Bedrooms
4.7%-68% vs US avg
x
Built Pre-1939
4.4%-66% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
40.8%-18% vs US avg
x
Mortgage-Free
30.3%-21% vs US avg
x
$610,700
Home Value
$1,585
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 detached78.3%
  • 1-unit attached1.3%
  • 2-9 units3.7%
  • 10+ units6.9%
  • Mobile home & other9.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$610,700
Median rent$1,585
Owner-occupied80.5%
Vacant6.2%
Price-to-income6.0x
Est. income to buy$168,000