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Richland city, WA

ZIP 99354 — 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 99354

Median Home Value
$355,400
Median Rent
$1,134
Affordability Snapshot
$98,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,283/mo PITI).

15%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

26.1 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 99354 in Richland city, WA, a household would need roughly $98,000 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 $2,283. That is roughly in line with the local median household income ($88,601). 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

Historic housing stock (25% built before 1939)

Owner Occupied
62.0%-5% vs US avg
x
Vacancy Rate
4.9%-52% vs US avg
x
Broadband Access
93.0%+7% vs US avg
x
4+ Bedrooms
7.7%-48% vs US avg
x
Built Pre-1939
25.4%+99% vs US avg
x
Built Post-2014
1.9%-73% vs US avg
x
Rent Burden >30%
10.3%-79% vs US avg
x
Mortgage-Free
42.5%+11% vs US avg
x
$355,400
Home Value
$1,134
Rent
1969
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached61.6%
  • 1-unit attached6.4%
  • 2-9 units13.3%
  • 10+ units15.9%
  • Mobile home & other2.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$355,400
Median rent$1,134
Owner-occupied62.0%
Vacant4.9%
Price-to-income4.0x
Est. income to buy$98,000