City · 8,161 residents · Clallam County, Washington
Sequim, Washington
In Sequim, a typical home is worth $408,700 and typical rent is $1,195 a month. Compared with all of Clallam County, typical household income is 15% lower and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $503,949 to $556,671.
Typical rent
$2,313a month
Typical rent from Zillow, December 2025 to September 2026: from $2,231 to $2,313.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sequim is in Clallam County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Clallam County. See the county
What this place has that others do not, from public data, most unusual first.
1
Sequim has the 12th lowest typical household income of the 194 cities in Washington with more than 5,000 people ($59,707).
2
62% of households in Sequim own their home, against 74% in Clallam County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sequim
What homes there are in Sequim, 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
Sequim
Clallam County
Washington
United States
Kind of home: Sequim and its comparisons
Measure
Sequim
Clallam County
Washington
United States
Detached house
49%
72%
62%
61%
Attached house
11%
3%
4%
6%
Building of 2 to 4
8%
3%
6%
8%
Apartments (5 or more)
23%
8%
22%
19%
Mobile home
10%
12%
6%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
No kind of home is the majority in Sequim; the largest group, detached houses, adds up to 49%, less than in Clallam County (72%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Sequim
Clallam County
Washington
United States
Year built: Sequim and its comparisons
Measure
Sequim
Clallam County
Washington
United States
Before 1960
11%
20%
21%
26%
1960–1979
22%
27%
23%
24%
1980–1999
29%
30%
27%
25%
2000–2009
25%
14%
15%
14%
2010 or later
13%
9%
14%
11%
Homes in Sequim are newer: the typical year built is 1993; in Clallam County, 1982.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K8%
$100K–$200KUnreliable
$200K–$300K14%
$300K–$500K39%
$500K–$750K20%
$750K–$1M8%
$1M or moreUnreliable
Value of owner-occupied homes: Sequim and its comparisons
Measure
Sequim
Under $100K
8%
$100K–$200K
Unreliable estimate
$200K–$300K
14%
$300K–$500K
39%
$500K–$750K
20%
$750K–$1M
8%
$1M or more
Unreliable estimate
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50013%
$500–$99920%
$1,000–$1,49941%
HUD fair market rent, 2 bedrooms: $1,429
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Sequim and its comparisons
Measure
Sequim
Under $500
13%
$500–$999
20%
$1,000–$1,499
41%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 68% of rented homes in Sequim cost less than HUD's 2-bedroom fair market rent for Clallam County ($1,429).
With a mortgage
$1,658 a month
Clallam County: $1,857 a month
Without a mortgage
$697 a month
Clallam County: $631 a month
Owners with a mortgage
42%
Clallam County: 50%
The typical cost for an owner with a mortgage in Sequim is $1,658 a month, less than in Clallam County ($1,857); without one, $697.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sequim+71%
Clallam County+66%
Washington+67%
United States+53%
Typical rent
Sequim+23%
Clallam County+21%
Washington+40%
United States+33%
Typical household income
Sequim+49%
Clallam County+35%
Washington+33%
United States+29%
Change since 2015–2019: Sequim and its comparisons
Measure
Sequim
Clallam County
Washington
United States
Typical home value
+71%
+66%
+67%
+53%
Typical rent
+23%
+21%
+40%
+33%
Typical household income
+49%
+35%
+33%
+29%
The typical home value in Sequim rose 71% since 2015–2019, more than in Clallam County (66%).
Rents in Sequim rose at about the same pace as in Clallam County: 23% since 2015–2019, against 21%.
The typical household income in Sequim rose 49% over that time; home values changed +71% and rent +23%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sequim and its comparisons
Measure
Sequim
Clallam County
Washington
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
0.7%
0.9%
More than one person per room
Unreliable estimate
1.9%
3.5%
3.4%
People per household
1.85
2.18
2.50
2.53
Drive alone
68%
70%
63%
69%
Carpool
6%
10%
9%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
9%
4%
4%
3%
Work from home
15%
14%
20%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in Sequim are smaller: 1.85 people on average; in Clallam County, 2.18.
In Sequim, 9% of workers walk or bike to work; in Clallam County, 4%.
Do the math
What would you pay each month for a home in Sequim?
A typical home costs more than the typical income allows
We start with a typical home in Sequim, worth $408,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 66% of the typical household income in Sequim, which is $59,707 a year. For that payment to be 28% of income, a household would need to earn about $141,625 a year.
The calculator's FHA and conventional loan limits are those of all of Clallam 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 Sequim. 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 $14,305 (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
$3,305
at 7.18% · 30 years
Loan amount
$401,297
Total interest
$577,372
Paid off in
November 2056
Includes $6,902 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,393 a month
Tight
$1,393 to $1,791 a month
Hard
more than $1,791 a month
Your payment · 66%
Compared with the typical household income in Sequim ($59,707 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,719
Property tax
$235
Home insurance
$170
FHA mortgage insurance (MIP)
$181
You need at least $14,305 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 $3,305; principal and interest $2,719.
The city and its county
Sequim and Clallam County
Sequim is in Clallam 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).
Sequim
Map of Clallam County, Washington, with Sequim marked. Around it, the neighboring counties.
Sequim
Clallam County
Other cities with a page
Sequim's own numbers
Typical home value
$408,700
Typical monthly rent
$1,195
Typical yearly household income
$59,707
Households that own their home
62%
Effective property tax rate
0.69%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Clallam County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,429
Price change over 5 years (FHFA)
+55%
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 Clallam County.
A typical home in Sequim is worth $408,700: 3% below the county and 28% below Washington. With the typical household income in Sequim ($59,707 a year), a typical home costs 6.8 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.
Sequim6.8 years
Clallam6.0 years
Washington5.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Clallam County
According to FHFA’s house price index, home prices in Clallam County rose 129% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Clallam County.
Yearly change in FHFA’s price index in Clallam County, 2016 to 2025
2016: +8.7% +8.7% 2016
2017: +10.2% +10.2% 2017
2018: +10.0% +10.0% 2018
2019: +7.9% +7.9% 2019
2020: +4.1% +4.1% 2020
2021: +16.9% +16.9% 2021
2022: +18.1% +18.1% 2022
2023: +3.1% +3.1% 2023
2024: +5.8% +5.8% 2024
2025: +2.7% +2.7% 2025
Change in FHFA’s price index in Clallam County, Washington and the United States
Period
County
Washington
U.S.
Last year (2025)
+2.7%
+1.8%
+2.9%
5 years (2020–2025)
+55%
+44%
+47%
10 years (2015–2025)
+129%
+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
Sequim next to Clallam 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
Sequim$408,700
Clallam$421,800
Washington$564,600
United States$332,700
Typical monthly rent
Sequim$1,195
Clallam$1,152
Washington$1,760
United States$1,413
Typical yearly household income
Sequim$59,707
Clallam$70,370
Washington$98,141
United States$80,734
See the full table
Sequim next to Clallam County and Washington
Measure
Sequim
Clallam County
Washington
U.S.
Typical home value
$408,700 ▼3% below the county
$421,800
$564,600
$332,700
Typical monthly rent
$1,195 ▲4% above the county
$1,152
$1,760
$1,413
Typical yearly household income
$59,707 ▼15% below the county
$70,370
$98,141
$80,734
Households that own their home
62% ▼12 points below the county
74%
64%
65%
Typical yearly property tax
$2,820 ▼8% below the county
$3,050
$4,556
$3,119
Effective property tax rate
0.69% ▼0.03 points below the county
0.72%
0.81%
0.94%
Renters with high rent for their income
56% ▲4 points above the county
52%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Clallam 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 Sequim
For a typical $408,700 home in Sequim, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sequim's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,305a month
Least cash to close
Down payment
$14,305
Cash to close
$26,566
Rate
7.18%
Mortgage insurance
FHA MIP · $181
Conventional, 5% down$3,230a month
Down payment
$20,435
Cash to close
$32,696
Rate
7.18%
Mortgage insurance
PMI · $194
Conventional, 20% down, no PMI$2,620a month
Down payment
$81,740
Cash to close
$94,001
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,998a month
Down payment
$61,305
Cash to close
$73,566
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sequim
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,305
$14,305
$401,297
7.18%
FHA MIP · $181
$26,566
580
Conventional, 5% down
$3,230
$20,435
$388,265
7.18%
PMI · $194
$32,696
620*
Conventional, 20% down, no PMI
$2,620
$81,740
$326,960
7.18%
None
$94,001
620*
ITIN, 15% down (example)
$2,998
$61,305
$347,395
8.18%
None
$73,566
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 Sequim is $1,195 a month: 4% above the county. In Sequim, 56% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Clallam County, by unit size. To pay the 2-bedroom one ($1,429 a month) without spending more than 30% of your income, you would need to earn $27.48 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 Clallam County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,000
$19.23
$40,000
1 bedroom
$1,098
$21.12
$43,920
2 bedrooms
$1,429
$27.48
$57,160
3 bedrooms
$1,973
$37.94
$78,920
4 bedrooms
$2,289
$44.02
$91,560
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 Sequim
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sequim is in ZIP code 98382.
For 2 bedrooms it is $1,550: $121 more than the fair market rent for Clallam County ($1,429).
Fair market rent by ZIP code and size in Sequim, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
98382
$1,090
$1,190
$1,550
$2,140
$2,480
ZIP code2 bd3 bd
98382 $1,550$2,140
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sequim 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)
HUD lists 9 buildings with rents for lower incomes in Sequim. These are the largest.
Elk Creek Apartments90 S Rhodefer Rd, Sequim 98382138 homes, 136 low-income · 1 bd: 30 · 2 bd: 90 · 3 bd: 18 · In service since 2008 · For people with disabilities
Vintage at Sequim1009 W Brackett Rd, Sequim 98382118 homes, 116 low-income · 1 bd: 30 · 2 bd: 86 · In service since 2007 · For older adults, people with disabilities
Mountain View Court Apartments303 S 5th Ave, Sequim 9838272 homes, 71 low-income · 2 bd: 72 · In service since 2009
Suncrest I Senior201 E Prairie St, Sequim 9838244 homes, 43 low-income · 1 bd: 44 · In service since 2009 · For older adults, people with disabilities
Sea Breeze Apartments525 McCurdy Rd, Sequim 9838242 homes, 41 low-income · 1 bd: 8 · 2 bd: 14 · 3 bd: 18 · 4 bd: 2 · In service since 2012 · For people with disabilities, families
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 Clallam County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Sequim or Clallam County. The ones below are statewide in Washington: they work in Sequim 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 Sequim or Clallam 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 Sequim and all of Clallam 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 Sequim?
The typical home value in Sequim is $408,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clallam County it is $421,800.
How much does it cost to rent in Sequim?
Typical rent in Sequim is $1,195 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clallam County is $1,429.
What is the FHA loan limit in Sequim?
Sequim uses the FHA limit for all of Clallam County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Sequim?
The typical homeowner in Sequim pays $2,820 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in Clallam County, the rate is 0.72%.
Where can I find free help to buy or rent in Sequim?
We found no HUD-approved counseling agencies with an office in Clallam County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
