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Cottage Lake CDP, WA

ZIP 98072 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 98072

Median Home Value
$1,067,000
Median Rent
$2,214
Affordability Snapshot
$294,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,854/mo PITI).

15%
Rent-to-Income Ratio

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

6.1x
Home Price-to-Income Ratio

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

40.2 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 98072 in Cottage Lake CDP, WA, a household would need roughly $294,000 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 $6,854. That is about 68% above the local median household income ($174,599), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
73.5%+12% vs US avg
x
Vacancy Rate
3.1%-70% vs US avg
x
Broadband Access
96.0%+10% vs US avg
x
4+ Bedrooms
9.8%-34% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
1.6%-78% vs US avg
x
Rent Burden >30%
19.8%-60% vs US avg
x
Mortgage-Free
30.0%-21% vs US avg
x
$1,067,000
Home Value
$2,214
Rent
1988
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached69.7%
  • 1-unit attached2.9%
  • 2-9 units6.5%
  • 10+ units18.7%
  • Mobile home & other2.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,067,000
Median rent$2,214
Owner-occupied73.5%
Vacant3.1%
Price-to-income6.1x
Est. income to buy$294,000