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Clear Lake CDP, WA

ZIP 98328 — 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 98328

Median Home Value
$538,700
Median Rent
$1,048
Affordability Snapshot
$148,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,460/mo PITI).

11%
Rent-to-Income Ratio

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

4.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

42.8 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 98328 in Clear Lake CDP, WA, a household would need roughly $148,000 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 $3,460. That is about 30% above the local median household income ($113,902), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.8%+27% vs US avg
x
Vacancy Rate
11.5%+12% vs US avg
x
Broadband Access
93.0%+7% vs US avg
x
4+ Bedrooms
6.8%-54% vs US avg
x
Built Pre-1939
3.0%-77% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
27.8%-44% vs US avg
x
Mortgage-Free
24.1%-37% vs US avg
x
$538,700
Home Value
$1,048
Rent
1992
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 detached78.1%
  • 1-unit attached0.1%
  • 2-9 units5.6%
  • 10+ units1.3%
  • Mobile home & other14.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$538,700
Median rent$1,048
Owner-occupied82.8%
Vacant11.5%
Price-to-income4.7x
Est. income to buy$148,000