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Mount Vista CDP, WA

ZIP 98686 — 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 98686

Median Home Value
$546,100
Median Rent
$1,653
Affordability Snapshot
$150,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,508/mo PITI).

19%
Rent-to-Income Ratio

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

5.4x
Home Price-to-Income Ratio

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

27.5 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 98686 in Mount Vista CDP, WA, a household would need roughly $150,000 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 $3,508. That is about 47% above the local median household income ($101,866), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
76.2%+16% vs US avg
x
Vacancy Rate
4.6%-55% vs US avg
x
Broadband Access
94.9%+9% vs US avg
x
4+ Bedrooms
4.6%-69% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
3.9%-44% vs US avg
x
Rent Burden >30%
21.0%-58% vs US avg
x
Mortgage-Free
27.9%-27% vs US avg
x
$546,100
Home Value
$1,653
Rent
1996
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 detached73.0%
  • 1-unit attached4.8%
  • 2-9 units7.1%
  • 10+ units10.5%
  • Mobile home & other4.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$546,100
Median rent$1,653
Owner-occupied76.2%
Vacant4.6%
Price-to-income5.4x
Est. income to buy$150,000