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Keyport CDP, WA

ZIP 98345 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 98345

Median Home Value
$621,300
Median Rent
$2,211
Affordability Snapshot
$171,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,991/mo PITI).

20%
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.

23.4 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 98345 in Keyport CDP, WA, a household would need roughly $171,000 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 $3,991. That is about 28% above the local median household income ($133,086), 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 38% — check local market conditions.

Heating Fuel
Housing Metrics

Historic housing stock (20% built before 1939)

Owner Occupied
42.4%-35% vs US avg
x
Vacancy Rate
37.8%+267% vs US avg
x
Broadband Access
100.0%+15% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
20.4%+59% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.9%-72% vs US avg
x
Mortgage-Free
56.6%+48% vs US avg
x
$621,300
Home Value
$2,211
Rent
1965
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached67.7%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units32.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$621,300
Median rent$2,211
Owner-occupied42.4%
Vacant37.8%
Price-to-income4.7x
Est. income to buy$171,000