US5.com
  1. Home
  2. States
  3. ZIP 99520
  4. Housing & Real Estate
,

ZIP 99520 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 99520

Median Home Value
$348,200
Median Rent
$1,139
Affordability Snapshot
$96,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,237/mo PITI).

26%
Rent-to-Income Ratio

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

6.7x
Home Price-to-Income Ratio

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

25.5 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 99520, a household would need roughly $96,000 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 $2,237. That is about 85% above the local median household income ($51,767), 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

Vacancy rate 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
18.1%-72% vs US avg
x
Vacancy Rate
22.8%+121% vs US avg
x
Broadband Access
83.5%-4% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
6.9%-46% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
23.0%-54% vs US avg
x
Mortgage-Free
15.4%-60% vs US avg
x
$348,200
Home Value
$1,139
Rent
1976
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached11.5%
  • 1-unit attached1.9%
  • 2-9 units34.9%
  • 10+ units51.4%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$348,200
Median rent$1,139
Owner-occupied18.1%
Vacant22.8%
Price-to-income6.7x
Est. income to buy$96,000