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Thorp CDP, WA

ZIP 98946 — 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 98946

Median Home Value
$445,500
Median Rent
$1,316
Affordability Snapshot
$123,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,862/mo PITI).

13%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

28.2 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 98946 in Thorp CDP, WA, a household would need roughly $123,000 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 $2,862. That is roughly in line with the local median household income ($120,250). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.8%+14% vs US avg
x
Vacancy Rate
16.3%+59% vs US avg
x
Broadband Access
95.1%+9% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
6.8%-47% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.4%-61% vs US avg
x
Mortgage-Free
57.6%+51% vs US avg
x
$445,500
Home Value
$1,316
Rent
1974
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached87.1%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units2.0%
  • Mobile home & other10.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$445,500
Median rent$1,316
Owner-occupied74.8%
Vacant16.3%
Price-to-income3.7x
Est. income to buy$123,000