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City · 12,831 residents · Skagit County, Washington

Sedro-Woolley , Washington

In Sedro-Woolley, a typical home is worth $441,700 and typical rent is $1,525 a month. Compared with all of Skagit County, the typical home value is 19% lower, typical household income is 9% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $441,700

    19% below the county

    22% below Washington

    • Sedro-Woolley
    • Skagit
    • Washington

  • Typical rent

    $1,525a month

    About the same as the county

    13% below Washington

    • Sedro-Woolley
    • Skagit
    • Washington

  • Typical household income

    $80,885a year

    9% below the county

    18% below Washington

    • Sedro-Woolley
    • Skagit
    • Washington

  • Households that own their home

    61%

    9 points below the county

    3 points below Washington

    • Sedro-Woolley
    • Skagit
    • Washington

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

Market now, with Zillow data

Zillow data
Typical home value
$488,513
about the same as 12 months ago
Typical rent
$1,959 a month

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

Sedro-Woolley is in Skagit County. The FHA loan limit ($621,000 for a one-unit home), the fair market rents and the help on this page are those of all of Skagit County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Sedro-Woolley apart

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

  1. The typical home in Sedro-Woolley is worth $441,700, 19% less than in Skagit County as a whole ($545,100).

  2. 61% of households in Sedro-Woolley own their home, against 70% in Skagit County.

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

The homes here

Housing in Sedro-Woolley

What homes there are in Sedro-Woolley, 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 is still the most common home in Sedro-Woolley, but it weighs less than in Skagit County: 67% against 73%.

Year built

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

$2,149 a month

Skagit County: $2,285 a month

Without a mortgage

$704 a month

Skagit County: $759 a month

Owners with a mortgage

75%

Skagit County: 62%

Owning costs less in Sedro-Woolley: with a mortgage, the typical cost is $2,149 a month; in Skagit County, $2,285. Without one, $704.

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

Much as in Skagit County, the typical home value in Sedro-Woolley rose 81% since 2015–2019.

Rents in Sedro-Woolley rose more slowly than in Skagit County: 22% since 2015–2019, against 39%.

To compare: typical income in Sedro-Woolley rose 33%; the home, +81%; the rent, +22%.

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

MeasureSedro-WoolleySkagit CountyWashingtonUnited States
Rental vacancy Unreliable estimate1.4%4.5%5.5%
Homeowner vacancy Unreliable estimate0.5%0.7%0.9%
More than one person per room Unreliable estimate4.8%3.5%3.4%
People per household 2.502.472.502.53
Drive alone 80%75%63%69%
Carpool 8%10%9%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 8%12%20%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Sedro-Woolley has 2.50 people on average, about the same as in Skagit County (2.47).

To get to work, 80% of workers in Sedro-Woolley drive alone; in Skagit County, 75%.

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 Sedro-Woolley?

A typical home costs more than the typical income allows

We start with a typical home in Sedro-Woolley, worth $441,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Sedro-Woolley, which is $80,885 a year. For that payment to be 28% of income, a household would need to earn about $152,745 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Sedro-Woolley. 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 $15,460 (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

$3,564

at 7.18% · 30 years

Loan amount
$433,699
Total interest
$623,991
Paid off in
November 2056

Includes $7,459 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,887 a month

  • Tight

    $1,887 to $2,427 a month

  • Hard

    more than $2,427 a month

    Your payment · 53%

Compared with the typical household income in Sedro-Woolley ($80,885 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,564
Principal & interest$2,938
Property tax$247
Home insurance$184
FHA mortgage insurance (MIP)$195

You need at least $15,460 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

Sedro-Woolley and Skagit County

Sedro-Woolley is in Skagit 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).

Sedro-Woolley's own numbers

Typical home value
$441,700
Typical monthly rent
$1,525
Typical yearly household income
$80,885
Households that own their home
61%
Effective property tax rate
0.67%

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

Numbers for all of Skagit County

FHA limit, one-unit home
$621,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,668
Price change over 5 years (FHFA)
+53%

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 Skagit County.

Everything about Skagit County

Buying

Buying a home in Sedro-Woolley

A typical home in Sedro-Woolley is worth $441,700: 19% below the county and 22% below Washington. With the typical household income in Sedro-Woolley ($80,885 a year), a typical home costs 5.5 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.

  • Sedro-Woolley 5.5 years
  • Skagit 6.1 years
  • Washington 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Skagit County

According to FHFA’s house price index, home prices in Skagit County rose 132% in the 10 years through 2025.

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

Period County Washington U.S.
Last year (2025) +4.1% +1.8% +2.9%
5 years (2020–2025) +53% +44% +47%
10 years (2015–2025) +132% +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

Sedro-Woolley next to Skagit 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
  • Sedro-Woolley $441,700
  • Skagit $545,100
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Sedro-Woolley $1,525
  • Skagit $1,536
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Sedro-Woolley $80,885
  • Skagit $89,263
  • Washington $98,141
  • United States $80,734
See the full table
Sedro-Woolley next to Skagit County and Washington
Measure Sedro-Woolley Skagit County Washington U.S.
Typical home value $441,700 $545,100 $564,600 $332,700
Typical monthly rent $1,525 $1,536 $1,760 $1,413
Typical yearly household income $80,885 $89,263 $98,141 $80,734
Households that own their home 61% 70% 64% 65%
Typical yearly property tax $2,968 $4,308 $4,556 $3,119
Effective property tax rate 0.67% 0.79% 0.81% 0.94%
Renters with high rent for their income 55% 54% 50% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Skagit 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 Sedro-Woolley

For a typical $441,700 home in Sedro-Woolley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sedro-Woolley's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,564a month

    Least cash to close
    Down payment
    $15,460
    Cash to close
    $28,711
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $195

  • Conventional, 5% down $3,483a month

    Down payment
    $22,085
    Cash to close
    $35,336
    Rate
    7.18%
    Mortgage insurance
    PMI · $210

  • Conventional, 20% down, no PMI $2,824a month

    Down payment
    $88,340
    Cash to close
    $101,591
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,233a month

    Down payment
    $66,255
    Cash to close
    $79,506
    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 Sedro-Woolley and for Skagit County.

Property tax

Effective rate in Sedro-Woolley

0.67%of the home’s value each year

$2,968 a year for the typical owner in Sedro-Woolley.

  • Sedro-Woolley 0.67%
  • Skagit 0.79%
  • 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 Skagit County

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

FEMA’s maps count no homes in the high-risk zone in Skagit County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Sedro-Woolley

Typical rent in Sedro-Woolley is $1,525 a month: about the same as the county. In Sedro-Woolley, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Skagit County, by unit size. To pay the 2-bedroom one ($1,668 a month) without spending more than 30% of your income, you would need to earn $32.08 an hour working full time.

HUD fair market rent for all of Skagit 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 $1,162 $22.35 $46,480
1 bedroom $1,275 $24.52 $51,000
2 bedrooms $1,668 $32.08 $66,720
3 bedrooms $2,310 $44.42 $92,400
4 bedrooms $2,578 $49.58 $103,120

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 Sedro-Woolley

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sedro-Woolley is in ZIP code 98284.

For 2 bedrooms it is $1,700: $32 more than the fair market rent for Skagit County ($1,668).

  • 98284 $1,700$2,350

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sedro-Woolley 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 Sedro-Woolley

HUD lists 6 buildings with rents for lower incomes in Sedro-Woolley. These are the largest.

  • Hillsview 830 Township St, Sedro Woolley 98284 60 low-income homes · Run by HA City of Sedro Woolley · Average payment: $391 a month · Average wait: 8 months (206) 574-1100
  • Logan Park 701 Sapp Rd, Sedro Woolley 98284 47 homes, 46 low-income · 2 bd: 32 · 3 bd: 15 · In service since 2002 · For people with disabilities, families
  • Murdock Court Apts 123 N Murdock St, Sedro Woolley 98284 24 low-income homes · 1 bd: 3 · 2 bd: 18 · 3 bd: 3 · In service since 2007
  • Murdock Court Apartments 123 N Murdock St, Sedro Woolley 98284 24 homes, 23 low-income · 1 bd: 3 · 2 bd: 18 · 3 bd: 3 · In service since 2007
  • Cedar Grove I 804 Bingham Pl, Sedro Woolley 98284 20 low-income homes · Run by HA City of Sedro Woolley · Average payment: $541 a month (206) 574-1100

See all 58 buildings in Skagit County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Sedro-Woolley

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.

We found no HUD-approved agencies with an office in Skagit County. The nearest ones are below; many serve by phone or online.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Sedro-Woolley

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

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

  • Kulshan Community Land Trust

    1715 C St, Bellingham · 20 miles away

    • Pre-purchase counseling
    360-671-5600-1

  • Opal Community Land Trust

    286 Enchanted Forest Rd, Eastsound · 34 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (360) 376-3191

  • Parkview Services

    4720 200th St SW Ste 200, Lynnwood · 48 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

All counseling agencies in Washington

Help in Spanish near Sedro-Woolley

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 Sedro-Woolley

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

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

Cities

Other cities in Skagit County

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

Everything about Skagit County Housing in Washington

Nearby cities

The cities closest to Sedro-Woolley, with the typical home value.

Neighboring counties

If Skagit 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 Sedro-Woolley.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Sedro-Woolley

Short answers with the numbers for Sedro-Woolley and all of Skagit 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 Sedro-Woolley?

The typical home value in Sedro-Woolley is $441,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Skagit County it is $545,100.

How much does it cost to rent in Sedro-Woolley?

Typical rent in Sedro-Woolley is $1,525 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Skagit County is $1,668.

What is the FHA loan limit in Sedro-Woolley?

Sedro-Woolley uses the FHA limit for all of Skagit County (2026): $621,000 for a one-unit home and $1,194,250 for a four-unit home.

How much property tax do owners pay in Sedro-Woolley?

The typical homeowner in Sedro-Woolley pays $2,968 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Skagit County, the rate is 0.79%.

Where can I find free help to buy or rent in Sedro-Woolley?

We found no HUD-approved counseling agencies with an office in Skagit County; the nearest ones are on this page. 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).