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City · 23,339 residents · Snohomish County, Washington

North Lynnwood , Washington

In North Lynnwood, a typical home is worth $616,400 and typical rent is $2,145 a month. Compared with all of Snohomish County, the typical home value is 11% lower, typical rent is 10% higher, and the share of households that own their home is 24 points lower.

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  • Typical home value

    $616,400

    11% below the county

    9% above Washington

    • North Lynnwood
    • Snohomish
    • Washington

  • Typical rent

    $2,145a month

    10% above the county

    22% above Washington

    • North Lynnwood
    • Snohomish
    • Washington

  • Typical household income

    $101,088a year

    9% below the county

    3% above Washington

    • North Lynnwood
    • Snohomish
    • Washington

  • Households that own their home

    44%

    24 points below the county

    20 points below Washington

    • North Lynnwood
    • Snohomish
    • Washington

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

North Lynnwood 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 North Lynnwood apart

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

  1. 44% of households in North Lynnwood own their home, against 68% in Snohomish County.

  2. Nearby, in Lynnwood, the typical rent is $1,742: 19% less than in North Lynnwood ($2,145).

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

The homes here

Housing in North Lynnwood

What homes there are in North Lynnwood, 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 North Lynnwood, the apartment is the most common kind of home: 53%, against 21% in Snohomish County.

Year built

Here half of the homes date from 2001 or later; in Snohomish County, from 1990 or later.

There are fewer big homes in North Lynnwood than in Snohomish County: 42% have 3 bedrooms or more, against 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

$2,461 a month

Snohomish County: $2,748 a month

Without a mortgage

$837 a month

Snohomish County: $864 a month

Owners with a mortgage

79%

Snohomish County: 72%

In North Lynnwood, 79% of owners have a mortgage, and their typical cost is $2,461 a month, against $2,748 in Snohomish County. Without one it drops to $837.

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

From 2015–2019 to 2020–2024, the typical home value in North Lynnwood rose 70%; in Snohomish County, it rose 73%.

Rents in North Lynnwood rose more slowly than in Snohomish County: 28% since 2015–2019, against 36%.

While home values in North Lynnwood changed +70% and rent +28%, the typical household income rose 37%.

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

MeasureNorth LynnwoodSnohomish CountyWashingtonUnited States
Rental vacancy 8.3%4.0%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 2.362.642.502.53
Drive alone 67%65%63%69%
Carpool 9%9%9%9%
Public transit 4%3%3%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 19%20%20%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

The rental vacancy rate in North Lynnwood is 8.3%, higher than in Snohomish County (4.0%).

Households in North Lynnwood are smaller: 2.36 people on average; in Snohomish County, 2.64.

To get to work, 67% of workers in North Lynnwood drive alone; in Snohomish County, 65%.

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 North Lynnwood?

A typical home costs more than the typical income allows

We start with a typical home in North Lynnwood, worth $616,400, 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 Lynnwood, which is $101,088 a year. For that payment to be 28% of income, a household would need to earn about $215,580 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 North Lynnwood. 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 $21,574 (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

$5,030

at 7.18% · 30 years

Loan amount
$605,235
Total interest
$870,792
Paid off in
November 2056

Includes $10,409 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,359 a month

  • Tight

    $2,359 to $3,033 a month

  • Hard

    more than $3,033 a month

    Your payment · 60%

Compared with the typical household income in North Lynnwood ($101,088 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,030
Principal & interest$4,100
Property tax$401
Home insurance$257
FHA mortgage insurance (MIP)$273

You need at least $21,574 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

North Lynnwood and Snohomish County

North Lynnwood 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).

North Lynnwood's own numbers

Typical home value
$616,400
Typical monthly rent
$2,145
Typical yearly household income
$101,088
Households that own their home
44%
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 North Lynnwood

A typical home in North Lynnwood is worth $616,400: 11% below the county and 9% above Washington. With the typical household income in North Lynnwood ($101,088 a year), a typical home costs 6.1 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 Lynnwood 6.1 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

North Lynnwood 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
  • North Lynnwood $616,400
  • Snohomish $696,000
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • North Lynnwood $2,145
  • Snohomish $1,949
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • North Lynnwood $101,088
  • Snohomish $111,246
  • Washington $98,141
  • United States $80,734
See the full table
North Lynnwood next to Snohomish County and Washington
Measure North Lynnwood Snohomish County Washington U.S.
Typical home value $616,400 $696,000 $564,600 $332,700
Typical monthly rent $2,145 $1,949 $1,760 $1,413
Typical yearly household income $101,088 $111,246 $98,141 $80,734
Households that own their home 44% 68% 64% 65%
Typical yearly property tax $4,812 $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 57% 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 North Lynnwood

For a typical $616,400 home in North Lynnwood, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North Lynnwood's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,030a month

    Least cash to close
    Down payment
    $21,574
    Cash to close
    $40,066
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $273

  • Conventional, 5% down $4,917a month

    Down payment
    $30,820
    Cash to close
    $49,312
    Rate
    7.18%
    Mortgage insurance
    PMI · $293

  • Conventional, 20% down, no PMI $3,998a month

    Down payment
    $123,280
    Cash to close
    $141,772
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,568a month

    Down payment
    $92,460
    Cash to close
    $110,952
    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 North Lynnwood and for Snohomish County.

Property tax

Effective rate in North Lynnwood

0.78%of the home’s value each year

$4,812 a year for the typical owner in North Lynnwood.

  • North Lynnwood 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 North Lynnwood

Typical rent in North Lynnwood is $2,145 a month: 10% above the county. In North Lynnwood, 57% 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 North Lynnwood

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

For 2 bedrooms it runs from $2,330 in 98037 to $2,600 in 98087.

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

  • 98037 $2,330$3,040
  • 98087 $2,600$3,390

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for North Lynnwood 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 North Lynnwood

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 smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in North Lynnwood

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

The HUD-approved agencies closest to the center of North Lynnwood, 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 · 3 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 · 17 miles away

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

  • Credit.org - Seattle Branch

    450 Alaskan Way S, Seattle · 18 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 North Lynnwood

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 North Lynnwood

HUD’s record names them for North Lynnwood 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 North Lynnwood, 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 North Lynnwood.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about North Lynnwood

Short answers with the numbers for North Lynnwood 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 North Lynnwood?

The typical home value in North Lynnwood is $616,400, 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 North Lynnwood?

Typical rent in North Lynnwood is $2,145 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 North Lynnwood?

North Lynnwood 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 North Lynnwood?

The typical homeowner in North Lynnwood pays $4,812 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 North Lynnwood?

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).