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Maltby CDP, WA

ZIP 98296 — 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 98296

Median Home Value
$867,700
Median Rent
$2,129
Affordability Snapshot
$239,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,574/mo PITI).

15%
Rent-to-Income Ratio

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

5.0x
Home Price-to-Income Ratio

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

34.0 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 98296 in Maltby CDP, WA, a household would need roughly $239,000 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 $5,574. That is about 39% above the local median household income ($172,468), 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
Owner Occupied
90.2%+38% vs US avg
x
Vacancy Rate
2.0%-80% vs US avg
x
Broadband Access
95.2%+9% vs US avg
x
4+ Bedrooms
10.1%-32% vs US avg
x
Built Pre-1939
1.1%-91% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
25.5%-49% vs US avg
x
Mortgage-Free
23.3%-39% vs US avg
x
$867,700
Home Value
$2,129
Rent
1994
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached89.1%
  • 1-unit attached2.0%
  • 2-9 units3.2%
  • 10+ units0.2%
  • Mobile home & other5.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$867,700
Median rent$2,129
Owner-occupied90.2%
Vacant2.0%
Price-to-income5.0x
Est. income to buy$239,000