City · 17,966 residents · Skagit County, Washington
Anacortes, Washington
In Anacortes, a typical home is worth $696,700 and typical rent is $1,702 a month. Compared with all of Skagit County, the typical home value is 28% higher and typical rent is 11% higher.
Typical home value from Zillow, September 2021 to September 2026: from $649,759 to $712,903.
Typical rent
$2,550a month
▲ 2.4% more than 12 months ago
Typical rent from Zillow, March 2023 to September 2026: from $2,209 to $2,550.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Anacortes is in Skagit County. The FHA loan limit ($621,000 for a one-unit home), the fair market rents and the help on this page are those of all of Skagit County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Sedro-Woolley, the typical home value is $441,700: 37% less than in Anacortes ($696,700).
2
The typical home in Anacortes is worth $696,700,28% more than in Skagit County as a whole ($545,100).
3
Nearby, in Mount Vernon, the typical rent is $1,405: 17% less than in Anacortes ($1,702).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Anacortes
What homes there are in Anacortes, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Anacortes
Skagit County
Washington
United States
Kind of home: Anacortes and its comparisons
Measure
Anacortes
Skagit County
Washington
United States
Detached house
77%
73%
62%
61%
Attached house
4%
3%
4%
6%
Building of 2 to 4
7%
6%
6%
8%
Apartments (5 or more)
9%
10%
22%
19%
Mobile home
2%
7%
6%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
The detached house rules in Anacortes: 77% of homes, more than in Skagit County (73%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Anacortes
Skagit County
Washington
United States
Year built: Anacortes and its comparisons
Measure
Anacortes
Skagit County
Washington
United States
Before 1960
23%
22%
21%
26%
1960–1979
17%
21%
23%
24%
1980–1999
31%
31%
27%
25%
2000–2009
18%
16%
15%
14%
2010 or later
12%
11%
14%
11%
By age, homes in Anacortes look like those in Skagit County: the typical year built is 1989.
There is more room for a big family here: 70% of homes have 3 bedrooms or more, against 61% in Skagit County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K1%
$200K–$300K1%
$300K–$500K18%
$500K–$750K36%
$750K–$1M25%
$1M or more17%
Value of owner-occupied homes: Anacortes and its comparisons
Measure
Anacortes
Under $100K
Unreliable estimate
$100K–$200K
1%
$200K–$300K
1%
$300K–$500K
18%
$500K–$750K
36%
$750K–$1M
25%
$1M or more
17%
Monthly rent with utilities
Under the limitOver the limit
Under $5008%
$500–$99910%
$1,000–$1,49921%
$1,500–$1,99925%
HUD fair market rent, 2 bedrooms: $1,668
$2,000–$2,49912%
$2,500–$2,99912%
$3,000 or more11%
Monthly rent with utilities: Anacortes and its comparisons
Measure
Anacortes
Under $500
8%
$500–$999
10%
$1,000–$1,499
21%
$1,500–$1,999
25%
$2,000–$2,499
12%
$2,500–$2,999
12%
$3,000 or more
11%
Measured against HUD's 2-bedroom fair market rent ($1,668), about 48% of rented homes in Anacortes cost less.
With a mortgage
$2,364 a month
Skagit County: $2,285 a month
Without a mortgage
$815 a month
Skagit County: $759 a month
Owners with a mortgage
59%
Skagit County: 62%
The typical cost for an owner with a mortgage in Anacortes is $2,364 a month, near the figure in Skagit County ($2,285).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Anacortes+71%
Skagit County+78%
Washington+67%
United States+53%
Typical rent
Anacortes+43%
Skagit County+39%
Washington+40%
United States+33%
Typical household income
Anacortes+28%
Skagit County+33%
Washington+33%
United States+29%
Change since 2015–2019: Anacortes and its comparisons
Measure
Anacortes
Skagit County
Washington
United States
Typical home value
+71%
+78%
+67%
+53%
Typical rent
+43%
+39%
+40%
+33%
Typical household income
+28%
+33%
+33%
+29%
From 2015–2019 to 2020–2024, the typical home value in Anacortes rose 71%; in Skagit County, it rose 78%.
Rents in Anacortes rose faster than in Skagit County: 43% since 2015–2019, against 39%.
Here income did not keep up with housing: it rose 28%, while home values changed +71% and rent +43%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Anacortes and its comparisons
Measure
Anacortes
Skagit County
Washington
United States
Rental vacancy
Unreliable estimate
1.4%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
0.5%
0.7%
0.9%
More than one person per room
1.8%
4.8%
3.5%
3.4%
People per household
2.19
2.47
2.50
2.53
Drive alone
69%
75%
63%
69%
Carpool
8%
10%
9%
9%
Public transit
1%
1%
3%
3%
Walk or bike
5%
2%
4%
3%
Work from home
16%
12%
20%
15%
Other means
1%
1%
1%
2%
Typical commute
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Anacortes, 1.8% of households live with more than one person per room, against 4.8% in Skagit County.
Households in Anacortes are smaller: 2.19 people on average; in Skagit County, 2.47.
In Anacortes, 16% of workers work from home, more than in Skagit County (12%).
Do the math
What would you pay each month for a home in Anacortes?
A typical home costs more than the typical income allows
We start with a typical home in Anacortes, worth $696,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 73% of the typical household income in Anacortes, which is $91,951 a year. For that payment to be 28% of income, a household would need to earn about $240,927 a year. Note: at that price the loan is above the FHA limit for Skagit County ($621,000), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of Skagit County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Anacortes. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $24,385 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$5,622
at 7.18% · 30 years
Loan amount
$684,081
Total interest
$984,231
Paid off in
November 2056
Includes $11,766 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,146 a month
Tight
$2,146 to $2,759 a month
Hard
more than $2,759 a month
Your payment · 73%
Compared with the typical household income in Anacortes ($91,951 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,634
Property tax
$389
Home insurance
$290
FHA mortgage insurance (MIP)
$308
This loan is over the FHA limit
You'd borrow $672,315, but the FHA limit for a one-unit home in Anacortes is $621,000. You'd need a bigger down payment or a different loan.
You need at least $24,385 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $5,622; principal and interest $4,634.
The city and its county
Anacortes and Skagit County
Anacortes is in Skagit County, Washington. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Anacortes
Map of Skagit County, Washington, with Anacortes marked. Around it, the neighboring counties.
Anacortes
Skagit County
Other cities with a page
Anacortes's own numbers
Typical home value
$696,700
Typical monthly rent
$1,702
Typical yearly household income
$91,951
Households that own their home
70%
Effective property tax rate
0.67%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Skagit County
FHA limit, one-unit home
$621,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,668
Price change over 5 years (FHFA)
+53%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Skagit County.
A typical home in Anacortes is worth $696,700: 28% above the county and 23% above Washington. With the typical household income in Anacortes ($91,951 a year), a typical home costs 7.6 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Anacortes7.6 years
Skagit6.1 years
Washington5.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Skagit County
According to FHFA’s house price index, home prices in Skagit County rose 132% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Skagit County.
Yearly change in FHFA’s price index in Skagit County, 2016 to 2025
2016: +9.4% +9.4% 2016
2017: +10.4% +10.4% 2017
2018: +10.4% +10.4% 2018
2019: +7.6% +7.6% 2019
2020: +5.9% +5.9% 2020
2021: +14.5% +14.5% 2021
2022: +19.7% +19.7% 2022
2023: +2.5% +2.5% 2023
2024: +4.4% +4.4% 2024
2025: +4.1% +4.1% 2025
Change in FHFA’s price index in Skagit County, Washington and the United States
Period
County
Washington
U.S.
Last year (2025)
+4.1%
+1.8%
+2.9%
5 years (2020–2025)
+53%
+44%
+47%
10 years (2015–2025)
+132%
+113%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Anacortes next to Skagit County, Washington and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Anacortes$696,700
Skagit$545,100
Washington$564,600
United States$332,700
Typical monthly rent
Anacortes$1,702
Skagit$1,536
Washington$1,760
United States$1,413
Typical yearly household income
Anacortes$91,951
Skagit$89,263
Washington$98,141
United States$80,734
See the full table
Anacortes next to Skagit County and Washington
Measure
Anacortes
Skagit County
Washington
U.S.
Typical home value
$696,700 ▲28% above the county
$545,100
$564,600
$332,700
Typical monthly rent
$1,702 ▲11% above the county
$1,536
$1,760
$1,413
Typical yearly household income
$91,951 ▲3% above the county
$89,263
$98,141
$80,734
Households that own their home
70%
70%
64%
65%
Typical yearly property tax
$4,683 ▲9% above the county
$4,308
$4,556
$3,119
Effective property tax rate
0.67% ▼0.12 points below the county
0.79%
0.81%
0.94%
Renters with high rent for their income
49% ▼5 points below the county
54%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Skagit County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Anacortes
For a typical $696,700 home in Anacortes, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Anacortes's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,622a month
Above the FHA limit for Skagit County ($621,000)
Down payment
$24,385
Cash to close
$45,286
Rate
7.18%
Mortgage insurance
FHA MIP · $308
Conventional, 5% down$5,494a month
Least cash to close
Down payment
$34,835
Cash to close
$55,736
Rate
7.18%
Mortgage insurance
PMI · $331
Conventional, 20% down, no PMI$4,455a month
Down payment
$139,340
Cash to close
$160,241
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,099a month
Down payment
$104,505
Cash to close
$125,406
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Anacortes
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Skagit County ($621,000)
$5,622
$24,385
$684,081
7.18%
FHA MIP · $308
$45,286
580
Conventional, 5% down Least cash to close
$5,494
$34,835
$661,865
7.18%
PMI · $331
$55,736
620*
Conventional, 20% down, no PMI
$4,455
$139,340
$557,360
7.18%
None
$160,241
620*
ITIN, 15% down (example)
$5,099
$104,505
$592,195
8.18%
None
$125,406
Set by the lender
The option that asks for the least cash to close is Conventional, 5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Anacortes is $1,702 a month: 11% above the county. In Anacortes, 49% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Skagit County, by unit size. To pay the 2-bedroom one ($1,668 a month) without spending more than 30% of your income, you would need to earn $32.08 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Skagit County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,162
$22.35
$46,480
1 bedroom
$1,275
$24.52
$51,000
2 bedrooms
$1,668
$32.08
$66,720
3 bedrooms
$2,310
$44.42
$92,400
4 bedrooms
$2,578
$49.58
$103,120
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Anacortes
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Anacortes is in ZIP code 98221.
For 2 bedrooms it is $1,940: $272 more than the fair market rent for Skagit County ($1,668).
Fair market rent by ZIP code and size in Anacortes, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
98221
$1,350
$1,480
$1,940
$2,690
$3,000
ZIP code2 bd3 bd
98221 $1,940$2,690
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Anacortes when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 16 buildings with rents for lower incomes in Anacortes. These are the largest.
Scattered Sites719 Q Ave, Anacortes 98221112 homes, 111 low-income · Run by HA City of Anacortes · Average payment: $583 a month · Average wait: 30 months · Homes at several sites(360) 293-7831
Bayview Apartments808 29th St, Anacortes 9822146 low-income homes · 1 bd: 10 · 2 bd: 26 · 3 bd: 10 · In service since 2003
Bayview Apts - Anacortes801 29th St, Anacortes 9822146 low-income homes · 1 bd: 10 · 2 bd: 26 · 3 bd: 10 · In service since 2003 · For families
Anacortes Manor1110 24th St, Anacortes 9822135 low-income homes · For older adults(360) 293-7755
Harborview Apartments1110 27th Ct, Anacortes 9822132 low-income homes · 1 bd: 10 · 2 bd: 20 · 3 bd: 2 · In service since 2009
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Skagit County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Anacortes or Skagit County. The ones below are statewide in Washington: they work in Anacortes the same as in the rest of the state.
Washington state commission 0% second mortgage for 3%, 4% or 5% of the first mortgage, with no monthly payments; you do not need to be a first-time buyer.Offered by Washington State Housing Finance Commission.
Washington state commission loan with no monthly payments of up to 20% of the price (maximum $150,000) plus closing costs, for first-time buyers whose family lived in Washington before 1968 and belonged to a group affected by housing discrimination, including Hispanic people.Offered by Washington State Housing Finance Commission.
Washington state commission loan of up to $15,000 at 1% simple interest, with no monthly payments, for the down payment and closing costs of first-time buyers with the House Key Opportunity mortgage.Offered by Washington State Housing Finance Commission.
No legal help resource on our list is for Anacortes or Skagit County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Anacortes and all of Skagit County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Anacortes?
The typical home value in Anacortes is $696,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Skagit County it is $545,100.
How much does it cost to rent in Anacortes?
Typical rent in Anacortes is $1,702 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Skagit County is $1,668.
What is the FHA loan limit in Anacortes?
Anacortes uses the FHA limit for all of Skagit County (2026): $621,000 for a one-unit home and $1,194,250 for a four-unit home.
How much property tax do owners pay in Anacortes?
The typical homeowner in Anacortes pays $4,683 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Skagit County, the rate is 0.79%.
Where can I find free help to buy or rent in Anacortes?
We found no HUD-approved counseling agencies with an office in Skagit County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
