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Napavine city, WA

ZIP 98565 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 98565

Median Home Value
$276,000
Median Rent
$1,047
Affordability Snapshot
$76,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,773/mo PITI).

18%
Rent-to-Income Ratio

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

4.1x
Home Price-to-Income Ratio

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

22.0 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 98565 in Napavine city, WA, a household would need roughly $76,000 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 $1,773. That is roughly in line with the local median household income ($68,125). 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
82.5%+26% vs US avg
x
Vacancy Rate
2.4%-77% vs US avg
x
Broadband Access
86.8%-0% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
27.6%-44% vs US avg
x
Mortgage-Free
29.2%-24% vs US avg
x
$276,000
Home Value
$1,047
Rent
1985
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached52.4%
  • 1-unit attached0.0%
  • 2-9 units12.4%
  • 10+ units0.0%
  • Mobile home & other35.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$276,000
Median rent$1,047
Owner-occupied82.5%
Vacant2.4%
Price-to-income4.1x
Est. income to buy$76,000