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Birch Bay CDP, WA

ZIP 98230 — 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 98230

Median Home Value
$467,900
Median Rent
$1,143
Affordability Snapshot
$129,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,006/mo PITI).

17%
Rent-to-Income Ratio

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

5.7x
Home Price-to-Income Ratio

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

34.1 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 98230 in Birch Bay CDP, WA, a household would need roughly $129,000 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 $3,006. That is about 56% above the local median household income ($82,716), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.4%+20% vs US avg
x
Vacancy Rate
15.8%+54% vs US avg
x
Broadband Access
87.3%+0% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
1.9%-72% vs US avg
x
Rent Burden >30%
22.0%-56% vs US avg
x
Mortgage-Free
35.1%-8% vs US avg
x
$467,900
Home Value
$1,143
Rent
1993
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached73.0%
  • 1-unit attached3.6%
  • 2-9 units6.0%
  • 10+ units5.3%
  • Mobile home & other12.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$467,900
Median rent$1,143
Owner-occupied78.4%
Vacant15.8%
Price-to-income5.7x
Est. income to buy$129,000