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City · 15,890 residents · Snohomish County, Washington

Lake Stickney , Washington

In Lake Stickney, a typical home is worth $620,300 and typical rent is $1,806 a month. Compared with all of Snohomish County, typical household income is 15% lower, the typical home value is 11% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $620,300

    11% below the county

    10% above Washington

    • Lake Stickney
    • Snohomish
    • Washington

  • Typical rent

    $1,806a month

    7% below the county

    3% above Washington

    • Lake Stickney
    • Snohomish
    • Washington

  • Typical household income

    $94,020a year

    15% below the county

    4% below Washington

    • Lake Stickney
    • Snohomish
    • Washington

  • Households that own their home

    53%

    15 points below the county

    11 points below Washington

    • Lake Stickney
    • Snohomish
    • Washington

Source: U.S. Census Bureau, Average 2020–2024

Lake Stickney is in Snohomish County. The FHA loan limit ($1,063,750 for a one-unit home), the fair market rents and the help on this page are those of all of Snohomish County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lake Stickney apart

What this place has that others do not, from public data, most unusual first.

  1. 53% of households in Lake Stickney own their home, against 68% in Snohomish County.

  2. The typical household income in Lake Stickney is $94,020, 15% less than in Snohomish County as a whole ($111,246).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Lake Stickney

What homes there are in Lake Stickney, 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

In Lake Stickney there is a bit of everything: no kind of home reaches half. The most common are detached houses (42%); in Snohomish County, 64%.

Year built

Homes in Lake Stickney are newer: the typical year built is 2002; in Snohomish County, 1990.

Homes in Lake Stickney are smaller: 54% have 3 bedrooms or more; in Snohomish County, 66%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,813 a month

Snohomish County: $2,748 a month

Without a mortgage

$839 a month

Snohomish County: $864 a month

Owners with a mortgage

83%

Snohomish County: 72%

Owning costs about the same in Lake Stickney as in Snohomish County: with a mortgage, $2,813 a month; without one, $839.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Lake Stickney does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Snohomish County the typical home value rose 73%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureLake StickneySnohomish CountyWashingtonUnited States
Rental vacancy Unreliable estimate4.0%4.5%5.5%
Homeowner vacancy Unreliable estimate0.5%0.7%0.9%
More than one person per room 4.8%3.7%3.5%3.4%
People per household 2.592.642.502.53
Drive alone 60%65%63%69%
Carpool 9%9%9%9%
Public transit 5%3%3%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 24%20%20%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 4.8% of households in Lake Stickney live, more than in Snohomish County (3.7%).

A household in Lake Stickney has 2.59 people on average, about the same as in Snohomish County (2.64).

In Lake Stickney, 24% of workers work from home, more than in Snohomish County (20%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Lake Stickney?

A typical home costs more than the typical income allows

We start with a typical home in Lake Stickney, worth $620,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 65% of the typical household income in Lake Stickney, which is $94,020 a year. For that payment to be 28% of income, a household would need to earn about $216,944 a year.

The calculator's FHA and conventional loan limits are those of all of Snohomish County.

Your numbers

Local data
$

Starts at the typical home value in Lake Stickney. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $21,711 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$5,062

at 7.18% · 30 years

Loan amount
$609,064
Total interest
$876,301
Paid off in
November 2056

Includes $10,475 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,194 a month

  • Tight

    $2,194 to $2,821 a month

  • Hard

    more than $2,821 a month

    Your payment · 65%

Compared with the typical household income in Lake Stickney ($94,020 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,062
Principal & interest$4,126
Property tax$403
Home insurance$259
FHA mortgage insurance (MIP)$274

You need at least $21,711 for the down payment, plus closing costs.

Next step

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.

The city and its county

Lake Stickney and Snohomish County

Lake Stickney is in Snohomish 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 Stickney's own numbers

Typical home value
$620,300
Typical monthly rent
$1,806
Typical yearly household income
$94,020
Households that own their home
53%
Effective property tax rate
0.78%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Snohomish County

FHA limit, one-unit home
$1,063,750
Conventional limit, one unit
$1,063,750
HUD fair market rent, 2 bedrooms
$2,549
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
1.9%

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 Snohomish County.

Everything about Snohomish County

Buying

Buying a home in Lake Stickney

A typical home in Lake Stickney is worth $620,300: 11% below the county and 10% above Washington. With the typical household income in Lake Stickney ($94,020 a year), a typical home costs 6.6 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.

  • Lake Stickney 6.6 years
  • Snohomish 6.3 years
  • Washington 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Snohomish County

According to FHFA’s house price index, home prices in Snohomish County rose 128% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Snohomish County.

Period County Washington U.S.
Last year (2025) +1.3% +1.8% +2.9%
5 years (2020–2025) +51% +44% +47%
10 years (2015–2025) +128% +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 Stickney next to Snohomish 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 Stickney $620,300
  • Snohomish $696,000
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Lake Stickney $1,806
  • Snohomish $1,949
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Lake Stickney $94,020
  • Snohomish $111,246
  • Washington $98,141
  • United States $80,734
See the full table
Lake Stickney next to Snohomish County and Washington
Measure Lake Stickney Snohomish County Washington U.S.
Typical home value $620,300 $696,000 $564,600 $332,700
Typical monthly rent $1,806 $1,949 $1,760 $1,413
Typical yearly household income $94,020 $111,246 $98,141 $80,734
Households that own their home 53% 68% 64% 65%
Typical yearly property tax $4,862 $5,364 $4,556 $3,119
Effective property tax rate 0.78% 0.77% 0.81% 0.94%
Renters with high rent for their income 58% 54% 50% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Snohomish 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 Stickney

For a typical $620,300 home in Lake Stickney, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lake Stickney's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,062a month

    Least cash to close
    Down payment
    $21,711
    Cash to close
    $40,320
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $274

  • Conventional, 5% down $4,948a month

    Down payment
    $31,015
    Cash to close
    $49,624
    Rate
    7.18%
    Mortgage insurance
    PMI · $295

  • Conventional, 20% down, no PMI $4,023a month

    Down payment
    $124,060
    Cash to close
    $142,669
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,597a month

    Down payment
    $93,045
    Cash to close
    $111,654
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Lake Stickney and for Snohomish County.

Property tax

Effective rate in Lake Stickney

0.78%of the home’s value each year

$4,862 a year for the typical owner in Lake Stickney.

  • Lake Stickney 0.78%
  • Snohomish 0.77%
  • Washington 0.81%

What Washington publishes Exemption for people 61 and older or with disabilities (Washington State Department of Revenue)

Exemptions and deadlines in Washington

Flood risk in Snohomish County

FEMA does not publish these numbers by city: they are for all of Snohomish County.

Homes in the high-risk zone
1.9%
5,101
Of those, with NFIP insurance
27%
County Washington U.S.
Homes in the high-risk zone 1.9% 1.6% 3.5%
Of those, with NFIP insurance 27% 40% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lake Stickney

Typical rent in Lake Stickney is $1,806 a month: 7% below the county. In Lake Stickney, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Snohomish County, by unit size. To pay the 2-bedroom one ($2,549 a month) without spending more than 30% of your income, you would need to earn $49.02 an hour working full time.

HUD fair market rent for all of Snohomish County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,091 $40.21 $83,640
1 bedroom $2,180 $41.92 $87,200
2 bedrooms $2,549 $49.02 $101,960
3 bedrooms $3,324 $63.92 $132,960
4 bedrooms $3,954 $76.04 $158,160

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 Stickney

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lake Stickney has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,240 in 98204 to $2,600 in 98087.

1 of the 2 is above the fair market rent for Snohomish County ($2,549).

  • 98087 $2,600$3,390
  • 98204 $2,240$2,920

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 Stickney 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Lake Stickney

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.

There is 1 HUD-approved agency with an office in Snohomish County; 1 says it serves in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Lake Stickney

No down payment, repair or rent-help program on our list is for Lake Stickney or Snohomish County. The ones below are statewide in Washington: they work in Lake Stickney the same as in the rest of the state.

Which programs do I qualify for? All programs in Washington

  • Home Advantage Downpayment Assistance

    Statewide in Washington

    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.

    Deferred

    See the program Official page

  • Covenant Homeownership Program

    Statewide in Washington

    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.

    Deferred

    See the program Official page

  • House Key Opportunity DPA

    Statewide in Washington

    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.

    Deferred

    See the program Official page

Housing counselors near Lake Stickney

The HUD-approved agencies closest to the center of Lake Stickney, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Parkview Services

    4720 200th St SW Ste 200, Lynnwood · 4 miles away · Spanish

    Also serves in Cantonese, Mandarin Chinese, and other languages.

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (206) 542-6644

  • Urban League of Metropolitan Seattle

    105 14th Ave Ste 200, Seattle · 19 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (206) 461-3792

  • Credit.org - Seattle Branch

    450 Alaskan Way S, Seattle · 19 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (800) 431-8157

Every agency in Snohomish County All counseling agencies in Washington

Help in Spanish near Lake Stickney

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Lake Stickney

HUD’s record names them for Lake Stickney or Snohomish County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of Snohomish County Public housing and Section 8 vouchers (425) 290-8499

One other authority has an office in Snohomish County: see the list Source: HUD

Cities

Other cities in Snohomish County

These cities are also in Snohomish County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Snohomish County Housing in Washington
See 14 more cities in Snohomish County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Lake Stickney, with the typical home value.

Neighboring counties

If Snohomish County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Lake Stickney.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Lake Stickney

Short answers with the numbers for Lake Stickney and all of Snohomish 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 Stickney?

The typical home value in Lake Stickney is $620,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Snohomish County it is $696,000.

How much does it cost to rent in Lake Stickney?

Typical rent in Lake Stickney is $1,806 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Snohomish County is $2,549.

What is the FHA loan limit in Lake Stickney?

Lake Stickney uses the FHA limit for all of Snohomish County (2026): $1,063,750 for a one-unit home and $2,045,700 for a four-unit home.

How much property tax do owners pay in Lake Stickney?

The typical homeowner in Lake Stickney pays $4,862 a year, according to the U.S. Census Bureau. That is 0.78% of the home’s value; in Snohomish County, the rate is 0.77%.

Where can I find free help to buy or rent in Lake Stickney?

There is 1 HUD-approved counseling agency with an office in Snohomish County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).