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Cosmopolis city, WA

ZIP 98537 — 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 98537

Median Home Value
$301,400
Median Rent
$867
Affordability Snapshot
$83,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,936/mo PITI).

14%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

29.0 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 98537 in Cosmopolis city, WA, a household would need roughly $83,000 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 $1,936. That is roughly in line with the local median household income ($74,421). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.8%+25% vs US avg
x
Vacancy Rate
11.6%+12% vs US avg
x
Broadband Access
89.3%+3% vs US avg
x
4+ Bedrooms
6.0%-59% vs US avg
x
Built Pre-1939
2.8%-78% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
12.8%-74% vs US avg
x
Mortgage-Free
46.4%+21% vs US avg
x
$301,400
Home Value
$867
Rent
1968
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached85.3%
  • 1-unit attached1.6%
  • 2-9 units5.5%
  • 10+ units0.0%
  • Mobile home & other7.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$301,400
Median rent$867
Owner-occupied81.8%
Vacant11.6%
Price-to-income4.0x
Est. income to buy$83,000