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Black Diamond city, WA

ZIP 98010 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 98010

Median Home Value
$793,300
Median Rent
$1,860
Affordability Snapshot
$218,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,096/mo PITI).

15%
Rent-to-Income Ratio

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

5.3x
Home Price-to-Income Ratio

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

35.5 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 98010 in Black Diamond city, WA, a household would need roughly $218,000 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 $5,096. That is about 47% above the local median household income ($148,692), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics

Newer development area (16% built after 2014)

Owner Occupied
87.6%+34% vs US avg
x
Vacancy Rate
4.5%-56% vs US avg
x
Broadband Access
94.0%+8% vs US avg
x
4+ Bedrooms
12.4%-16% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
15.9%+130% vs US avg
x
Rent Burden >30%
4.0%-92% vs US avg
x
Mortgage-Free
23.4%-39% vs US avg
x
$793,300
Home Value
$1,860
Rent
1997
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 detached91.3%
  • 1-unit attached1.8%
  • 2-9 units0.4%
  • 10+ units2.4%
  • Mobile home & other4.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$793,300
Median rent$1,860
Owner-occupied87.6%
Vacant4.5%
Price-to-income5.3x
Est. income to buy$218,000