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Tenino city, WA

ZIP 98589 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 98589

Median Home Value
$408,600
Median Rent
$943
Affordability Snapshot
$112,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,625/mo PITI).

13%
Rent-to-Income Ratio

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

4.6x
Home Price-to-Income Ratio

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

36.1 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 98589 in Tenino 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 $2,625. That is about 26% above the local median household income ($89,119), 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
81.0%+24% vs US avg
x
Vacancy Rate
5.3%-48% vs US avg
x
Broadband Access
87.7%+1% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
24.0%-52% vs US avg
x
Mortgage-Free
28.3%-26% vs US avg
x
$408,600
Home Value
$943
Rent
1993
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached73.6%
  • 1-unit attached0.4%
  • 2-9 units2.6%
  • 10+ units2.7%
  • Mobile home & other20.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$408,600
Median rent$943
Owner-occupied81.0%
Vacant5.3%
Price-to-income4.6x
Est. income to buy$112,000