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ZIP 99228
Housing & Real Estate

ZIP 99228 — 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 99228

Median Home Value

$302,400

Median Rent

$1,336

Affordability Snapshot

$83,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,943/mo PITI).

19%

Rent-to-Income Ratio

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

3.5x

Home Price-to-Income Ratio

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

18.9 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 99228, 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 $1,943. That is roughly in line with the local median household income ($85,303). 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

71.4%+9% vs US avg

Vacancy Rate

7.3%-29% vs US avg

Broadband Access

92.0%+6% vs US avg

4+ Bedrooms

13.5%-9% vs US avg

Built Pre-1939

2.7%-79% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

16.5%-67% vs US avg

Mortgage-Free

35.1%-8% vs US avg

$302,400

Home Value

$1,336

Rent

1959

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 detached74.4%
1-unit attached2.8%
2-9 units14.5%
10+ units6.9%
Mobile home & other1.3%

ZIP 99228 — Housing & Real Estate

Housing & Real Estate in ZIP Code 99228

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