In North Bend, a typical home is worth $1,048,600 and typical rent is $2,091 a month. Compared with all of King County, typical household income is 40% higher, the typical home value is 22% higher, and the share of households that own their home is 18 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $832,230 to $979,426.
Typical rent
$2,958a month
= about the same as 12 months ago
Typical rent from Zillow, March 2024 to September 2026: from $2,641 to $2,958.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
North Bend is in King 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 King County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical household income in North Bend is $175,109,40% more than in King County as a whole ($124,746).
2
74% of households in North Bend own their home, against 55% in King County.
3
Nearby, in East Renton Highlands, the typical home value is $778,700: 26% less than in North Bend ($1,048,600).
4
North Bend has the 12th highest typical home value of the 191 cities in Washington with more than 5,000 people ($1,048,600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in North Bend
What homes there are in North Bend, 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
North Bend
King County
Washington
United States
Kind of home: North Bend and its comparisons
Measure
North Bend
King County
Washington
United States
Detached house
71%
50%
62%
61%
Attached house
Unreliable estimate
5%
4%
6%
Building of 2 to 4
Unreliable estimate
5%
6%
8%
Apartments (5 or more)
Unreliable estimate
38%
22%
19%
Mobile home
Unreliable estimate
1%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In North Bend, 7 in 10 homes are single-family detached houses; in King County, 5.
Year built
Before 19601960–19791980–19992000–20092010 or later
North Bend
King County
Washington
United States
Year built: North Bend and its comparisons
Measure
North Bend
King County
Washington
United States
Before 1960
12%
23%
21%
26%
1960–1979
17%
23%
23%
24%
1980–1999
36%
25%
27%
25%
2000–2009
6%
13%
15%
14%
2010 or later
29%
16%
14%
11%
The typical home in North Bend was built in 1993, 10 years after the typical one in King County.
In North Bend, 74% of homes have 3 bedrooms or more, more than in King County (50%).
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–$500KUnreliable
$500K–$750K13%
$750K–$1M23%
$1M or more56%
Value of owner-occupied homes: North Bend and its comparisons
Measure
North Bend
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
13%
$750K–$1M
23%
$1M or more
56%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: North Bend and its comparisons
Measure
North Bend
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
Without a mortgage
$985 a month
King County: $1,116 a month
Owners with a mortgage
73%
King County: 70%
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
North Bend+91%
King County+57%
Washington+67%
United States+53%
Typical rent
North Bend+63%
King County+30%
Washington+40%
United States+33%
Typical household income
North Bend+53%
King County+31%
Washington+33%
United States+29%
Change since 2015–2019: North Bend and its comparisons
Measure
North Bend
King County
Washington
United States
Typical home value
+91%
+57%
+67%
+53%
Typical rent
+63%
+30%
+40%
+33%
Typical household income
+53%
+31%
+33%
+29%
Since 2015–2019, homes in North Bend gained value faster than in King County: 91% against 57%.
The typical rent in North Bend rose 63% over the same time; in King County, it rose 30%.
The typical household income in North Bend rose 53%: less than home values (+91%) and rent (+63%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: North Bend and its comparisons
Measure
North Bend
King County
Washington
United States
Rental vacancy
Unreliable estimate
5.3%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.7%
0.9%
More than one person per room
Unreliable estimate
3.9%
3.5%
3.4%
People per household
2.70
2.39
2.50
2.53
Drive alone
57%
50%
63%
69%
Carpool
Unreliable estimate
7%
9%
9%
Public transit
Unreliable estimate
7%
3%
3%
Walk or bike
Unreliable estimate
5%
4%
3%
Work from home
30%
29%
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
Households in North Bend are bigger: 2.70 people on average; in King County, 2.39.
To get to work, 57% of workers in North Bend drive alone; in King County, 50%.
Do the math
What would you pay each month for a home in North Bend?
A typical home costs more than the typical income allows
We start with a typical home in North Bend, worth $1,048,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 60% of the typical household income in North Bend, which is $175,109 a year. For that payment to be 28% of income, a household would need to earn about $374,340 a year.
The calculator's FHA and conventional loan limits are those of all of King 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 North Bend. 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 $36,701 (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
$8,735
at 7.18% · 30 years
Loan amount
$1,029,607
Total interest
$1,481,363
Paid off in
November 2056
Includes $17,708 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $4,086 a month
Tight
$4,086 to $5,253 a month
Hard
more than $5,253 a month
Your payment · 60%
Compared with the typical household income in North Bend ($175,109 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$6,975
Property tax
$690
Home insurance
$437
FHA mortgage insurance (MIP)
$632
You need at least $36,701 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 $8,735; principal and interest $6,975.
The city and its county
North Bend and King County
North Bend is in King 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).
North Bend
Map of King County, Washington, with North Bend marked. Around it, the neighboring counties.
North Bend
King County
Other cities with a page
North Bend's own numbers
Typical home value
$1,048,600
Typical monthly rent
$2,091
Typical yearly household income
$175,109
Households that own their home
74%
Effective property tax rate
0.79%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of King 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)
+37%
Homes in a high flood-risk zone
1%
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 King County.
A typical home in North Bend is worth $1,048,600: 22% above the county and 86% above Washington. With the typical household income in North Bend ($175,109 a year), a typical home costs 6.0 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.
North Bend6.0 years
King6.9 years
Washington5.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in King County
According to FHFA’s house price index, home prices in King County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of King County.
Yearly change in FHFA’s price index in King County, 2016 to 2025
2016: +13.4% +13.4% 2016
2017: +12.7% +12.7% 2017
2018: +9.2% +9.2% 2018
2019: +1.8% +1.8% 2019
2020: +3.5% +3.5% 2020
2021: +11.3% +11.3% 2021
2022: +15.8% +15.8% 2022
2023: +0.2% +0.2% 2023
2024: +4.8% +4.8% 2024
2025: +0.9% +0.9% 2025
Change in FHFA’s price index in King County, Washington and the United States
Period
County
Washington
U.S.
Last year (2025)
+0.9%
+1.8%
+2.9%
5 years (2020–2025)
+37%
+44%
+47%
10 years (2015–2025)
+101%
+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
North Bend next to King 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
North Bend$1,048,600
King$859,900
Washington$564,600
United States$332,700
Typical monthly rent
North Bend$2,091
King$2,092
Washington$1,760
United States$1,413
Typical yearly household income
North Bend$175,109
King$124,746
Washington$98,141
United States$80,734
See the full table
North Bend next to King County and Washington
Measure
North Bend
King County
Washington
U.S.
Typical home value
$1,048,600 ▲22% above the county
$859,900
$564,600
$332,700
Typical monthly rent
$2,091
$2,092
$1,760
$1,413
Typical yearly household income
$175,109 ▲40% above the county
$124,746
$98,141
$80,734
Households that own their home
74% ▲18 points above the county
55%
64%
65%
Typical yearly property tax
$8,258 ▲16% above the county
$7,114
$4,556
$3,119
Effective property tax rate
0.79% ▼0.04 points below the county
0.83%
0.81%
0.94%
Renters with high rent for their income
55% ▲9 points above the county
47%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below King 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 North Bend
For a typical $1,048,600 home in North Bend, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North Bend's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$8,735a month
Least cash to close
Down payment
$36,701
Cash to close
$68,159
Rate
7.18%
Mortgage insurance
FHA MIP · $632
Conventional, 5% down$8,374a month
Down payment
$52,430
Cash to close
$83,888
Rate
7.18%
Mortgage insurance
PMI · $498
Conventional, 20% down, no PMI$6,810a month
Down payment
$209,720
Cash to close
$241,178
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$7,780a month
Down payment
$157,290
Cash to close
$188,748
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in North Bend
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$8,735
$36,701
$1,029,607
7.18%
FHA MIP · $632
$68,159
580
Conventional, 5% down
$8,374
$52,430
$996,170
7.18%
PMI · $498
$83,888
620*
Conventional, 20% down, no PMI
$6,810
$209,720
$838,880
7.18%
None
$241,178
620*
ITIN, 15% down (example)
$7,780
$157,290
$891,310
8.18%
None
$188,748
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 North Bend is $2,091 a month: about the same as the county. In North Bend, 55% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of King 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in King County (Fiscal year 2027)
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 North Bend
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). North Bend is in ZIP code 98045.
For 2 bedrooms it is $2,660: $111 more than the fair market rent for King County ($2,549).
Fair market rent by ZIP code and size in North Bend, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
98045
$2,180
$2,270
$2,660
$3,470
$4,130
ZIP code2 bd3 bd
98045 $2,660$3,470
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for North Bend 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.
There are 4 HUD-approved agencies with an office in King County; 3 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for North Bend or King County. The ones below are statewide in Washington: they work in North Bend 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 North Bend or King 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 North Bend and all of King 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 North Bend?
The typical home value in North Bend is $1,048,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in King County it is $859,900.
How much does it cost to rent in North Bend?
Typical rent in North Bend is $2,091 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in King County is $2,549.
What is the FHA loan limit in North Bend?
North Bend uses the FHA limit for all of King 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 North Bend?
The typical homeowner in North Bend pays $8,258 a year, according to the U.S. Census Bureau. That is 0.79% of the home’s value; in King County, the rate is 0.83%.
Where can I find free help to buy or rent in North Bend?
There are 4 HUD-approved counseling agencies with an office in King County. 3 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
