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City · 20,956 residents · Snohomish County, Washington

Mill Creek , Washington

In Mill Creek, a typical home is worth $903,800 and typical rent is $2,249 a month. Compared with all of Snohomish County, the typical home value is 30% higher, typical rent is 15% higher, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $903,800

    30% above the county

    60% above Washington

    • Mill Creek
    • Snohomish
    • Washington

  • Typical rent

    $2,249a month

    15% above the county

    28% above Washington

    • Mill Creek
    • Snohomish
    • Washington

  • Typical household income

    $124,364a year

    12% above the county

    27% above Washington

    • Mill Creek
    • Snohomish
    • Washington

  • Households that own their home

    59%

    9 points below the county

    5 points below Washington

    • Mill Creek
    • Snohomish
    • Washington

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

Market now, with Zillow data

Zillow data
Typical home value
$923,989
3.6% less than 12 months ago
Typical rent
$2,391 a month
1.2% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Mill Creek 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 Mill Creek apart

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

  1. Nearby, in Lake Stickney, the typical home value is $620,300: 31% less than in Mill Creek ($903,800).

  2. The typical home in Mill Creek is worth $903,800, 30% more than in Snohomish County as a whole ($696,000).

  3. Nearby, in Lake Stickney, the typical rent is $1,806: 20% less than in Mill Creek ($2,249).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Mill Creek fell 3.6%; in Washington, it fell 0.5%.

  5. The typical rent in Mill Creek is $2,249 a month, 15% more than in Snohomish County as a whole ($1,949).

  6. 59% of households in Mill Creek own their home, against 68% in Snohomish County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Mill Creek

What homes there are in Mill Creek, 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 Mill Creek, 5 in 10 homes are single-family detached houses; in Snohomish County, 6.

Year built

Here half of the homes date from 1995 or later; in Snohomish County, from 1990 or later.

Homes in Mill Creek are smaller: 57% 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

$3,306 a month

Snohomish County: $2,748 a month

Without a mortgage

$1,103 a month

Snohomish County: $864 a month

Owners with a mortgage

73%

Snohomish County: 72%

Owning costs more in Mill Creek: with a mortgage, the typical cost is $3,306 a month; in Snohomish County, $2,748. Without one, $1,103.

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

The typical home value in Mill Creek rose 68% since 2015–2019, less than in Snohomish County (73%).

Since 2015–2019, the typical rent in Mill Creek rose 24%, less than in Snohomish County (36%).

Housing prices ran ahead of income in Mill Creek: typical income rose 20%, against +68% for home values and +24% for rent.

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

MeasureMill CreekSnohomish 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 Unreliable estimate3.7%3.5%3.4%
People per household 2.412.642.502.53
Drive alone 57%65%63%69%
Carpool 7%9%9%9%
Public transit 4%3%3%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 30%20%20%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Mill Creek has 2.41 people, fewer than in Snohomish County (2.64).

Working from home is more common in Mill Creek: 30%, against 20% in Snohomish County.

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 Mill Creek?

A typical home costs more than the typical income allows

We start with a typical home in Mill Creek, worth $903,800, 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 Mill Creek, which is $124,364 a year. For that payment to be 28% of income, a household would need to earn about $322,325 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 Mill Creek. 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 $31,633 (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

$7,521

at 7.18% · 30 years

Loan amount
$887,430
Total interest
$1,276,803
Paid off in
November 2056

Includes $15,263 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,902 a month

  • Tight

    $2,902 to $3,731 a month

  • Hard

    more than $3,731 a month

    Your payment · 73%

Compared with the typical household income in Mill Creek ($124,364 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,521
Principal & interest$6,012
Property tax$588
Home insurance$377
FHA mortgage insurance (MIP)$545

You need at least $31,633 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

Mill Creek and Snohomish County

Mill Creek 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).

Mill Creek's own numbers

Typical home value
$903,800
Typical monthly rent
$2,249
Typical yearly household income
$124,364
Households that own their home
59%
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 Mill Creek

A typical home in Mill Creek is worth $903,800: 30% above the county and 60% above Washington. With the typical household income in Mill Creek ($124,364 a year), a typical home costs 7.3 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.

  • Mill Creek 7.3 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

Mill Creek 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
  • Mill Creek $903,800
  • Snohomish $696,000
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Mill Creek $2,249
  • Snohomish $1,949
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Mill Creek $124,364
  • Snohomish $111,246
  • Washington $98,141
  • United States $80,734
See the full table
Mill Creek next to Snohomish County and Washington
Measure Mill Creek Snohomish County Washington U.S.
Typical home value $903,800 $696,000 $564,600 $332,700
Typical monthly rent $2,249 $1,949 $1,760 $1,413
Typical yearly household income $124,364 $111,246 $98,141 $80,734
Households that own their home 59% 68% 64% 65%
Typical yearly property tax $7,026 $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 48% 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 Mill Creek

For a typical $903,800 home in Mill Creek, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mill Creek's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,521a month

    Least cash to close
    Down payment
    $31,633
    Cash to close
    $58,747
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $545

  • Conventional, 5% down $7,210a month

    Down payment
    $45,190
    Cash to close
    $72,304
    Rate
    7.18%
    Mortgage insurance
    PMI · $429

  • Conventional, 20% down, no PMI $5,862a month

    Down payment
    $180,760
    Cash to close
    $207,874
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,698a month

    Down payment
    $135,570
    Cash to close
    $162,684
    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 Mill Creek and for Snohomish County.

Property tax

Effective rate in Mill Creek

0.78%of the home’s value each year

$7,026 a year for the typical owner in Mill Creek.

  • Mill Creek 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 Mill Creek

Typical rent in Mill Creek is $2,249 a month: 15% above the county. In Mill Creek, 48% 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 Mill Creek

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mill Creek is in ZIP code 98012.

For 2 bedrooms it is $2,780: $231 more than the fair market rent for Snohomish County ($2,549).

  • 98012 $2,780$3,620

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Mill Creek 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?

Low-income apartments

Low-income apartments in Mill Creek

HUD lists 3 buildings with rents for lower incomes in Mill Creek. These are the largest.

  • Heatherwood Apartments 13510 N Creek Dr, Mill Creek 98012 266 homes, 263 low-income · 1 bd: 83 · 2 bd: 84 · 3 bd: 51 · 4 bd: 45 · In service since 2004 · For people with disabilities, families
  • Heatherwood (mill Creek) 13510 N Creek Dr, Mill Creek 98012 263 low-income homes · 1 bd: 83 · 2 bd: 84 · 3 bd: 51 · 4 bd: 45 · In service since 2004 · For people with disabilities, families
  • Vintage at Mill Creek 4111 133rd St SE, Mill Creek 98012 220 homes, 219 low-income · 1 bd: 160 · 2 bd: 60 · In service since 2018 · For older adults, people with disabilities

See all 127 buildings in Snohomish County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Mill Creek

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 listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Mill Creek

No down payment, repair or rent-help program on our list is for Mill Creek or Snohomish County. The ones below are statewide in Washington: they work in Mill Creek 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 Mill Creek

The HUD-approved agencies closest to the center of Mill Creek, 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 · 5 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 Mill Creek

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 Mill Creek

HUD’s record names them for Mill Creek 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 Mill Creek, 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 Mill Creek.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Mill Creek

Short answers with the numbers for Mill Creek 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 Mill Creek?

The typical home value in Mill Creek is $903,800, 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 Mill Creek?

Typical rent in Mill Creek is $2,249 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 Mill Creek?

Mill Creek 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 Mill Creek?

The typical homeowner in Mill Creek pays $7,026 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 Mill Creek?

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).