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ZIP 98909 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 98909

Median Home Value
$175,800
Median Rent
$937
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,129/mo PITI).

18%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.6 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 98909, a household would need roughly $48,000 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 $1,129. That sits below the local median household income ($61,149), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
44.0%-33% vs US avg
x
Vacancy Rate
3.6%-65% vs US avg
x
Broadband Access
86.3%-1% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
19.7%+54% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
16.8%-66% vs US avg
x
Mortgage-Free
45.2%+18% vs US avg
x
$175,800
Home Value
$937
Rent
1958
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached67.6%
  • 1-unit attached9.2%
  • 2-9 units6.0%
  • 10+ units2.3%
  • Mobile home & other14.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$175,800
Median rent$937
Owner-occupied44.0%
Vacant3.6%
Price-to-income2.9x
Est. income to buy$48,000