In Lake Shore, a typical home is worth $566,100 and typical rent is $2,241 a month. Compared with all of Clark County, typical household income is 34% higher, typical rent is 28% higher, and the share of households that own their home is 21 points higher.
Lake Shore is in Clark County. The FHA loan limit ($701,500 for a one-unit home), the fair market rents and the help on this page are those of all of Clark County. See the county
What this place has that others do not, from public data, most unusual first.
1
87% of households in Lake Shore own their home, against 66% in Clark County.
2
The typical household income in Lake Shore is $130,729,34% more than in Clark County as a whole ($97,536).
3
Nearby, in Salmon Creek, the typical rent is $1,631: 27% less than in Lake Shore ($2,241).
4
The typical rent in Lake Shore is $2,241 a month, 28% more than in Clark County as a whole ($1,748).
5
Nearby, in Minnehaha, the typical home value is $447,900: 21% less than in Lake Shore ($566,100).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Lake Shore
What homes there are in Lake Shore, 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
Lake Shore
Clark County
Washington
United States
Kind of home: Lake Shore and its comparisons
Measure
Lake Shore
Clark County
Washington
United States
Detached house
97%
67%
62%
61%
Attached house
Unreliable estimate
6%
4%
6%
Building of 2 to 4
Unreliable estimate
6%
6%
8%
Apartments (5 or more)
Unreliable estimate
18%
22%
19%
Mobile home
Unreliable estimate
4%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses, standing on their own, make up 97% of homes here, against 67% in Clark County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Lake Shore
Clark County
Washington
United States
Year built: Lake Shore and its comparisons
Measure
Lake Shore
Clark County
Washington
United States
Before 1960
Unreliable estimate
11%
21%
26%
1960–1979
51%
22%
23%
24%
1980–1999
23%
32%
27%
25%
2000–2009
10%
17%
15%
14%
2010 or later
9%
19%
14%
11%
Homes in Lake Shore are older: the typical year built is 1978; in Clark County, 1993.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K35%
$500K–$750K39%
$750K–$1M19%
$1M or moreUnreliable
Value of owner-occupied homes: Lake Shore and its comparisons
Measure
Lake Shore
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
35%
$500K–$750K
39%
$750K–$1M
19%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,49957%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Lake Shore and its comparisons
Measure
Lake Shore
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
57%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,409 a month
Clark County: $2,250 a month
Without a mortgage
$692 a month
Clark County: $722 a month
Owners with a mortgage
75%
Clark County: 69%
In Lake Shore, 75% of owners have a mortgage, and their typical cost is $2,409 a month, against $2,250 in Clark County. Without one it drops to $692.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lake Shore+69%
Clark County+60%
Washington+67%
United States+53%
Typical rent
Lake Shore+33%
Clark County+39%
Washington+40%
United States+33%
Typical household income
Lake Shore+48%
Clark County+30%
Washington+33%
United States+29%
Change since 2015–2019: Lake Shore and its comparisons
Measure
Lake Shore
Clark County
Washington
United States
Typical home value
+69%
+60%
+67%
+53%
Typical rent
+33%
+39%
+40%
+33%
Typical household income
+48%
+30%
+33%
+29%
From 2015–2019 to 2020–2024, the typical home value in Lake Shore rose 69%; in Clark County, it rose 60%.
Since 2015–2019, the typical rent in Lake Shore rose 33%, less than in Clark County (39%).
To compare: typical income in Lake Shore rose 48%; the home, +69%; the rent, +33%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lake Shore and its comparisons
Measure
Lake Shore
Clark County
Washington
United States
Rental vacancy
Unreliable estimate
3.6%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.7%
0.9%
More than one person per room
Unreliable estimate
3.1%
3.5%
3.4%
People per household
2.63
2.62
2.50
2.53
Drive alone
74%
69%
63%
69%
Carpool
Unreliable estimate
7%
9%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
Unreliable estimate
2%
4%
3%
Work from home
22%
19%
20%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Lake Shore look like those in Clark County: 2.63 people on average.
To get to work, 74% of workers in Lake Shore drive alone; in Clark County, 69%.
Do the math
What would you pay each month for a home in Lake Shore?
A typical home costs more than the typical income allows
We start with a typical home in Lake Shore, worth $566,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Lake Shore, which is $130,729 a year. For that payment to be 28% of income, a household would need to earn about $198,999 a year.
The calculator's FHA and conventional loan limits are those of all of Clark 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 Lake Shore. 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 $19,814 (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
$4,643
at 7.18% · 30 years
Loan amount
$555,846
Total interest
$799,732
Paid off in
November 2056
Includes $9,560 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,050 a month
Tight
$3,050 to $3,922 a month
Hard
more than $3,922 a month
Your payment · 43%
Compared with the typical household income in Lake Shore ($130,729 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,765
Property tax
$392
Home insurance
$236
FHA mortgage insurance (MIP)
$250
You need at least $19,814 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 $4,643; principal and interest $3,765.
The city and its county
Lake Shore and Clark County
Lake Shore is in Clark 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).
Lake Shore
Map of Clark County, Washington, with Lake Shore marked. Around it, the neighboring counties.
Lake Shore
Clark County
Other cities with a page
Lake Shore's own numbers
Typical home value
$566,100
Typical monthly rent
$2,241
Typical yearly household income
$130,729
Households that own their home
87%
Effective property tax rate
0.83%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Clark County
FHA limit, one-unit home
$701,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,878
Price change over 5 years (FHFA)
+43%
Homes in a high flood-risk zone
0.7%
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 Clark County.
A typical home in Lake Shore is worth $566,100: 8% above the county and about the same as Washington. With the typical household income in Lake Shore ($130,729 a year), a typical home costs 4.3 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.
Lake Shore4.3 years
Clark5.4 years
Washington5.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Clark County
According to FHFA’s house price index, home prices in Clark County rose 107% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Clark County.
Yearly change in FHFA’s price index in Clark County, 2016 to 2025
2016: +12.0% +12.0% 2016
2017: +9.8% +9.8% 2017
2018: +8.0% +8.0% 2018
2019: +5.1% +5.1% 2019
2020: +4.3% +4.3% 2020
2021: +14.6% +14.6% 2021
2022: +16.5% +16.5% 2022
2023: +2.0% +2.0% 2023
2024: +2.5% +2.5% 2024
2025: +2.0% +2.0% 2025
Change in FHFA’s price index in Clark County, Washington and the United States
Period
County
Washington
U.S.
Last year (2025)
+2.0%
+1.8%
+2.9%
5 years (2020–2025)
+43%
+44%
+47%
10 years (2015–2025)
+107%
+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
Lake Shore next to Clark 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
Lake Shore$566,100
Clark$522,900
Washington$564,600
United States$332,700
Typical monthly rent
Lake Shore$2,241
Clark$1,748
Washington$1,760
United States$1,413
Typical yearly household income
Lake Shore$130,729
Clark$97,536
Washington$98,141
United States$80,734
See the full table
Lake Shore next to Clark County and Washington
Measure
Lake Shore
Clark County
Washington
U.S.
Typical home value
$566,100 ▲8% above the county
$522,900
$564,600
$332,700
Typical monthly rent
$2,241 ▲28% above the county
$1,748
$1,760
$1,413
Typical yearly household income
$130,729 ▲34% above the county
$97,536
$98,141
$80,734
Households that own their home
87% ▲21 points above the county
66%
64%
65%
Typical yearly property tax
$4,711 ▲10% above the county
$4,290
$4,556
$3,119
Effective property tax rate
0.83% ▲0.01 points above the county
0.82%
0.81%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Clark 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 Lake Shore
For a typical $566,100 home in Lake Shore, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lake Shore's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,643a month
Least cash to close
Down payment
$19,814
Cash to close
$36,797
Rate
7.18%
Mortgage insurance
FHA MIP · $250
Conventional, 5% down$4,540a month
Down payment
$28,305
Cash to close
$45,288
Rate
7.18%
Mortgage insurance
PMI · $269
Conventional, 20% down, no PMI$3,695a month
Down payment
$113,220
Cash to close
$130,203
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,219a month
Down payment
$84,915
Cash to close
$101,898
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lake Shore
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,643
$19,814
$555,847
7.18%
FHA MIP · $250
$36,797
580
Conventional, 5% down
$4,540
$28,305
$537,795
7.18%
PMI · $269
$45,288
620*
Conventional, 20% down, no PMI
$3,695
$113,220
$452,880
7.18%
None
$130,203
620*
ITIN, 15% down (example)
$4,219
$84,915
$481,185
8.18%
None
$101,898
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% 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 Lake Shore is $2,241 a month: 28% above the county.
HUD publishes a fair market rent for all of Clark County, by unit size. To pay the 2-bedroom one ($1,878 a month) without spending more than 30% of your income, you would need to earn $36.12 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 Clark County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,527
$29.37
$61,080
1 bedroom
$1,633
$31.40
$65,320
2 bedrooms
$1,878
$36.12
$75,120
3 bedrooms
$2,550
$49.04
$102,000
4 bedrooms
$3,069
$59.02
$122,760
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 Lake Shore
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lake Shore has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,920 in 98665 to $2,010 in 98685.
2 of the 2 are above the fair market rent for Clark County ($1,878).
Fair market rent by ZIP code and size in Lake Shore, fiscal year 2027.
98665
$1,560
$1,670
$1,920
$2,610
$3,140
98685
$1,630
$1,750
$2,010
$2,730
$3,280
ZIP code2 bd3 bd
98665 $1,920$2,610
98685 $2,010$2,730
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lake Shore 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)
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 Clark 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 Lake Shore or Clark County. The ones below are statewide in Washington: they work in Lake Shore 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 Lake Shore or Clark 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 Lake Shore and all of Clark 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 Lake Shore?
The typical home value in Lake Shore is $566,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clark County it is $522,900.
How much does it cost to rent in Lake Shore?
Typical rent in Lake Shore is $2,241 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clark County is $1,878.
What is the FHA loan limit in Lake Shore?
Lake Shore uses the FHA limit for all of Clark County (2026): $701,500 for a one-unit home and $1,349,050 for a four-unit home.
How much property tax do owners pay in Lake Shore?
The typical homeowner in Lake Shore pays $4,711 a year, according to the U.S. Census Bureau. That is 0.83% of the home’s value; in Clark County, the rate is 0.82%.
Where can I find free help to buy or rent in Lake Shore?
We found no HUD-approved counseling agencies with an office in Clark County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
