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Ellensburg city, WA

ZIP 98926 — 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 98926

Median Home Value
$425,600
Median Rent
$1,106
Affordability Snapshot
$117,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,734/mo PITI).

20%
Rent-to-Income Ratio

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

6.4x
Home Price-to-Income Ratio

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

32.1 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 98926 in Ellensburg city, WA, a household would need roughly $117,000 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 $2,734. That is about 75% above the local median household income ($66,826), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
55.3%-15% vs US avg
x
Vacancy Rate
7.8%-25% vs US avg
x
Broadband Access
90.1%+4% vs US avg
x
4+ Bedrooms
3.6%-76% vs US avg
x
Built Pre-1939
3.5%-73% vs US avg
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
31.4%-37% vs US avg
x
Mortgage-Free
38.7%+1% vs US avg
x
$425,600
Home Value
$1,106
Rent
1990
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 detached63.0%
  • 1-unit attached1.8%
  • 2-9 units13.1%
  • 10+ units15.3%
  • Mobile home & other6.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$425,600
Median rent$1,106
Owner-occupied55.3%
Vacant7.8%
Price-to-income6.4x
Est. income to buy$117,000