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Clayton CDP, WA

ZIP 99110 — 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 99110

Median Home Value
$444,700
Median Rent
$764
Affordability Snapshot
$122,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,857/mo PITI).

12%
Rent-to-Income Ratio

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

5.9x
Home Price-to-Income Ratio

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

48.5 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 99110 in Clayton CDP, WA, a household would need roughly $122,000 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 $2,857. That is about 63% above the local median household income ($74,814), 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
77.3%+18% vs US avg
x
Vacancy Rate
3.7%-64% vs US avg
x
Broadband Access
80.3%-8% vs US avg
x
4+ Bedrooms
3.7%-75% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
8.8%+28% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
32.8%-14% vs US avg
x
$444,700
Home Value
$764
Rent
1991
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached58.5%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other41.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$444,700
Median rent$764
Owner-occupied77.3%
Vacant3.7%
Price-to-income5.9x
Est. income to buy$122,000