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Rainier city, WA

ZIP 98576 — 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 98576

Median Home Value
$400,000
Median Rent
$1,123
Affordability Snapshot
$110,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,569/mo PITI).

13%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

29.7 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 98576 in Rainier city, WA, a household would need roughly $110,000 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 $2,569. That is roughly in line with the local median household income ($101,336). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
89.9%+37% vs US avg
x
Vacancy Rate
9.0%-13% vs US avg
x
Broadband Access
95.1%+9% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
45.1%-9% vs US avg
x
Mortgage-Free
34.6%-9% vs US avg
x
$400,000
Home Value
$1,123
Rent
1993
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 detached75.0%
  • 1-unit attached2.8%
  • 2-9 units1.2%
  • 10+ units0.0%
  • Mobile home & other20.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$400,000
Median rent$1,123
Owner-occupied89.9%
Vacant9.0%
Price-to-income3.9x
Est. income to buy$110,000