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City · 7,066 residents · King County, Washington

Pacific , Washington

In Pacific, a typical home is worth $489,100 and typical rent is $1,692 a month. Compared with all of King County, the typical home value is 43% lower and typical rent is 19% lower.

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  • Typical home value

    $489,100

    43% below the county

    13% below Washington

    • Pacific
    • King
    • Washington

  • Typical rent

    $1,692a month

    19% below the county

    4% below Washington

    • Pacific
    • King
    • Washington

  • Typical household income

    $115,625a year

    7% below the county

    18% above Washington

    • Pacific
    • King
    • Washington

  • Households that own their home

    58%

    3 points above the county

    6 points below Washington

    • Pacific
    • King
    • Washington

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

Market now, with Zillow data

Zillow data
Typical home value
$540,173
0.8% less than 12 months ago
Typical rent
$1,926 a month

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

Pacific 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Pacific apart

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

  1. The typical home in Pacific is worth $489,100, 43% less than in King County as a whole ($859,900).

  2. The typical rent in Pacific is $1,692 a month, 19% less than in King County as a whole ($2,092).

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

The homes here

Housing in Pacific

What homes there are in Pacific, 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

The detached house rules in Pacific: 63% of homes, more than in King County (50%).

Year built

Here half of the homes date from 1987 or later; in King County, from 1983 or later.

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

$2,612 a month

King County: $3,273 a month

Without a mortgage

$827 a month

King County: $1,116 a month

Owners with a mortgage

76%

King County: 70%

The typical cost for an owner with a mortgage in Pacific is $2,612 a month, less than in King County ($3,273); without one, $827.

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

Since 2015–2019, homes in Pacific gained value faster than in King County: 74% against 57%.

The typical rent in Pacific rose 37% over the same time; in King County, it rose 30%.

Here income gained ground: typical income rose 91%, against +74% for home values and +37% 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

MeasurePacificKing CountyWashingtonUnited States
Rental vacancy Unreliable estimate5.3%4.5%5.5%
Homeowner vacancy Unreliable estimate0.7%0.7%0.9%
More than one person per room Unreliable estimate3.9%3.5%3.4%
People per household 3.062.392.502.53
Drive alone 72%50%63%69%
Carpool 16%7%9%9%
Public transit Unreliable estimate7%3%3%
Walk or bike Unreliable estimate5%4%3%
Work from home Unreliable estimate29%20%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Pacific are bigger: 3.06 people on average; in King County, 2.39.

Carpooling is common in Pacific: 16% of workers get to work that way, against 7% in King 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 Pacific?

A typical home costs more than the typical income allows

We start with a typical home in Pacific, worth $489,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Pacific, which is $115,625 a year. For that payment to be 28% of income, a household would need to earn about $175,250 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pacific. 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 $17,119 (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

$4,089

at 7.18% · 30 years

Loan amount
$480,241
Total interest
$690,954
Paid off in
November 2056

Includes $8,260 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,698 a month

  • Tight

    $2,698 to $3,469 a month

  • Hard

    more than $3,469 a month

    Your payment · 42%

Compared with the typical household income in Pacific ($115,625 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,089
Principal & interest$3,253
Property tax$416
Home insurance$204
FHA mortgage insurance (MIP)$216

You need at least $17,119 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

Pacific and King County

Pacific 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).

Pacific's own numbers

Typical home value
$489,100
Typical monthly rent
$1,692
Typical yearly household income
$115,625
Households that own their home
58%
Effective property tax rate
1.02%

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.

Everything about King County

Buying

Buying a home in Pacific

A typical home in Pacific is worth $489,100: 43% below the county and 13% below Washington. With the typical household income in Pacific ($115,625 a year), a typical home costs 4.2 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.

  • Pacific 4.2 years
  • King 6.9 years
  • Washington 5.8 years
  • United States 4.1 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.

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

Pacific 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
  • Pacific $489,100
  • King $859,900
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Pacific $1,692
  • King $2,092
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Pacific $115,625
  • King $124,746
  • Washington $98,141
  • United States $80,734
See the full table
Pacific next to King County and Washington
Measure Pacific King County Washington U.S.
Typical home value $489,100 $859,900 $564,600 $332,700
Typical monthly rent $1,692 $2,092 $1,760 $1,413
Typical yearly household income $115,625 $124,746 $98,141 $80,734
Households that own their home 58% 55% 64% 65%
Typical yearly property tax $5,011 $7,114 $4,556 $3,119
Effective property tax rate 1.02% 0.83% 0.81% 0.94%
Renters with high rent for their income 56% 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 Pacific

For a typical $489,100 home in Pacific, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pacific's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,089a month

    Least cash to close
    Down payment
    $17,119
    Cash to close
    $31,792
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $216

  • Conventional, 5% down $4,000a month

    Down payment
    $24,455
    Cash to close
    $39,128
    Rate
    7.18%
    Mortgage insurance
    PMI · $232

  • Conventional, 20% down, no PMI $3,270a month

    Down payment
    $97,820
    Cash to close
    $112,493
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,722a month

    Down payment
    $73,365
    Cash to close
    $88,038
    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 Pacific and for King County.

Property tax

Effective rate in Pacific

1.02%of the home’s value each year

$5,011 a year for the typical owner in Pacific.

  • Pacific 1.02%
  • King 0.83%
  • 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 King County

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

Homes in the high-risk zone
1%
5,797
Of those, with NFIP insurance
44%
County Washington U.S.
Homes in the high-risk zone 1% 1.6% 3.5%
Of those, with NFIP insurance 44% 40% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pacific

Typical rent in Pacific is $1,692 a month: 19% below the county. In Pacific, 56% 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.

HUD fair market rent for all of King 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 Pacific

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pacific is in ZIP code 98047.

For 2 bedrooms it is $2,170: $379 less than the fair market rent for King County ($2,549).

  • 98047 $2,170$2,830

A ZIP code counts for Pacific 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 Pacific

HUD lists one building with rents for lower incomes in Pacific.

  • Rainier Vista Senior Apartments 134 3rd Ave SE, Pacific 98047 75 homes, 50 low-income · 1 bd: 57 · 2 bd: 18 · In service since 2003 · For older adults, people with disabilities, families

See all 601 buildings in King County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Pacific

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.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Pacific

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

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

  • Tacoma/ Pierce County Habitat for Humanity

    4824 S Tacoma Way, Tacoma · 11 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    253-627-5626x120

  • Homesight

    4219 S Othello St Ste 130B, Seattle · 19 miles away · Spanish

    Also serves in Vietnamese.

    • Pre-purchase counseling
    • Homebuyer education workshops
    (206) 760-4205

  • El Centro de la Raza

    2524 16th Ave S, Seattle · 22 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (206) 957-4634

Every agency in King County All counseling agencies in Washington

Help in Spanish near Pacific

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 Pacific

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

  • Ha of King County Public housing and Section 8 vouchers (206) 574-1100

2 other authorities have an office in King County: see the list Source: HUD

Cities

Other cities in King County

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

Everything about King County Housing in Washington
See 28 more cities in King County, with prices and rents

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

Nearby cities

The cities closest to Pacific, with the typical home value.

Neighboring counties

If King 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 Pacific.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Pacific

Short answers with the numbers for Pacific 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 Pacific?

The typical home value in Pacific is $489,100, 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 Pacific?

Typical rent in Pacific is $1,692 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 Pacific?

Pacific 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 Pacific?

The typical homeowner in Pacific pays $5,011 a year, according to the U.S. Census Bureau. That is 1.02% of the home’s value; in King County, the rate is 0.83%.

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

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.

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).