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Port Gamble Tribal Community CDP, WA

ZIP 98346 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 98346

Median Home Value
$561,300
Median Rent
$1,313
Affordability Snapshot
$155,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,606/mo PITI).

14%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

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

35.6 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 98346 in Port Gamble Tribal Community CDP, WA, a household would need roughly $155,000 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 $3,606. That is about 40% above the local median household income ($110,946), 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
83.3%+27% vs US avg
x
Vacancy Rate
8.3%-20% vs US avg
x
Broadband Access
91.1%+5% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
17.9%-64% vs US avg
x
Mortgage-Free
39.2%+3% vs US avg
x
$561,300
Home Value
$1,313
Rent
1991
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached80.0%
  • 1-unit attached2.3%
  • 2-9 units5.2%
  • 10+ units3.5%
  • Mobile home & other9.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$561,300
Median rent$1,313
Owner-occupied83.3%
Vacant8.3%
Price-to-income5.1x
Est. income to buy$155,000