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Neah Bay CDP, WA

ZIP 98357 — 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 98357

Median Home Value
$160,800
Median Rent
$464
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,033/mo PITI).

9%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

28.9 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 98357 in Neah Bay CDP, WA, a household would need roughly $44,000 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 $1,033. That sits below the local median household income ($60,227), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.3%+15% vs US avg
x
Vacancy Rate
13.0%+27% vs US avg
x
Broadband Access
75.5%-13% vs US avg
x
4+ Bedrooms
11.3%-23% vs US avg
x
Built Pre-1939
0.8%-93% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
89.7%+135% vs US avg
x
$160,800
Home Value
$464
Rent
1984
Year Built
2000
Moved In

Residents have lived here since ~2000 on average

Housing Structure

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

  • 1-unit detached74.1%
  • 1-unit attached0.7%
  • 2-9 units4.6%
  • 10+ units0.0%
  • Mobile home & other20.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$160,800
Median rent$464
Owner-occupied75.3%
Vacant13.0%
Price-to-income2.7x
Est. income to buy$44,000