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Loon Lake CDP, WA

ZIP 99148 — 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 99148

Median Home Value
$415,600
Median Rent
$800
Affordability Snapshot
$114,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,670/mo PITI).

13%
Rent-to-Income Ratio

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

5.6x
Home Price-to-Income Ratio

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

43.3 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 99148 in Loon Lake CDP, WA, a household would need roughly $114,000 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 $2,670. That is about 53% above the local median household income ($74,732), 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

Vacancy rate 49% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.9%+41% vs US avg
x
Vacancy Rate
49.2%+377% vs US avg
x
Broadband Access
87.3%+0% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
7.7%-40% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
41.6%+9% vs US avg
x
$415,600
Home Value
$800
Rent
1985
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 detached79.1%
  • 1-unit attached0.1%
  • 2-9 units0.9%
  • 10+ units0.2%
  • Mobile home & other19.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$415,600
Median rent$800
Owner-occupied91.9%
Vacant49.2%
Price-to-income5.6x
Est. income to buy$114,000