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Port Ludlow CDP, WA

ZIP 98365 — 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 98365

Median Home Value
$603,500
Median Rent
$1,730
Affordability Snapshot
$166,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,877/mo PITI).

21%
Rent-to-Income Ratio

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

6.1x
Home Price-to-Income Ratio

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

29.1 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 98365 in Port Ludlow CDP, WA, a household would need roughly $166,000 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 $3,877. That is about 69% above the local median household income ($98,393), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.4%+40% vs US avg
x
Vacancy Rate
17.2%+67% vs US avg
x
Broadband Access
90.9%+5% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
10.2%-80% vs US avg
x
Mortgage-Free
45.6%+19% vs US avg
x
$603,500
Home Value
$1,730
Rent
1993
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached82.4%
  • 1-unit attached0.9%
  • 2-9 units8.2%
  • 10+ units0.0%
  • Mobile home & other8.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$603,500
Median rent$1,730
Owner-occupied91.4%
Vacant17.2%
Price-to-income6.1x
Est. income to buy$166,000