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Point Roberts CDP, WA

ZIP 98281 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 98281

Median Home Value
$460,500
Median Rent
$935
Affordability Snapshot
$127,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,958/mo PITI).

14%
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.

41.0 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 98281 in Point Roberts CDP, WA, a household would need roughly $127,000 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 $2,958. That is about 58% above the local median household income ($80,197), 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 68% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.8%+25% vs US avg
x
Vacancy Rate
67.6%+556% vs US avg
x
Broadband Access
97.5%+12% vs US avg
x
4+ Bedrooms
1.1%-92% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
30.9%-38% vs US avg
x
Mortgage-Free
49.1%+29% vs US avg
x
$460,500
Home Value
$935
Rent
1979
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 detached86.9%
  • 1-unit attached2.6%
  • 2-9 units1.6%
  • 10+ units0.9%
  • Mobile home & other8.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$460,500
Median rent$935
Owner-occupied81.8%
Vacant67.6%
Price-to-income5.7x
Est. income to buy$127,000