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Ephrata city, WA

ZIP 98823 — 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 98823

Median Home Value
$256,400
Median Rent
$900
Affordability Snapshot
$71,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,647/mo PITI).

14%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

23.7 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 98823 in Ephrata city, WA, a household would need roughly $71,000 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 $1,647. That is roughly in line with the local median household income ($77,361). 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
66.6%+2% vs US avg
x
Vacancy Rate
4.9%-52% vs US avg
x
Broadband Access
90.2%+4% vs US avg
x
4+ Bedrooms
7.2%-51% vs US avg
x
Built Pre-1939
10.8%-16% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
8.2%-84% vs US avg
x
Mortgage-Free
35.0%-8% vs US avg
x
$256,400
Home Value
$900
Rent
1975
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 detached68.9%
  • 1-unit attached2.3%
  • 2-9 units5.3%
  • 10+ units6.5%
  • Mobile home & other16.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$256,400
Median rent$900
Owner-occupied66.6%
Vacant4.9%
Price-to-income3.3x
Est. income to buy$71,000