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Sumas city, WA

ZIP 98295 — 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 98295

Median Home Value
$408,000
Median Rent
$1,100
Affordability Snapshot
$112,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,621/mo PITI).

14%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

30.9 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 98295 in Sumas city, WA, a household would need roughly $112,000 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 $2,621. That is about 16% above the local median household income ($96,337), 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
60.3%-8% vs US avg
x
Vacancy Rate
3.8%-63% vs US avg
x
Broadband Access
94.1%+8% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
3.5%-73% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
12.9%-74% vs US avg
x
Mortgage-Free
29.1%-24% vs US avg
x
$408,000
Home Value
$1,100
Rent
1983
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 detached81.5%
  • 1-unit attached3.0%
  • 2-9 units8.0%
  • 10+ units2.7%
  • Mobile home & other4.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$408,000
Median rent$1,100
Owner-occupied60.3%
Vacant3.8%
Price-to-income4.2x
Est. income to buy$112,000