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City · 8,373 residents · Snohomish County, Washington

Stanwood , Washington

In Stanwood, a typical home is worth $593,100 and typical rent is $1,766 a month. Compared with all of Snohomish County, typical household income is 19% lower, the typical home value is 15% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $593,100

    15% below the county

    5% above Washington

    • Stanwood
    • Snohomish
    • Washington

  • Typical rent

    $1,766a month

    9% below the county

    About the same as Washington

    • Stanwood
    • Snohomish
    • Washington

  • Typical household income

    $90,242a year

    19% below the county

    8% below Washington

    • Stanwood
    • Snohomish
    • Washington

  • Households that own their home

    62%

    6 points below the county

    2 points below Washington

    • Stanwood
    • Snohomish
    • Washington

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

Market now, with Zillow data

Zillow data
Typical home value
$700,571
about the same as 12 months ago
Typical rent
$2,133 a month

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

Stanwood 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 Stanwood apart

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

  1. Nearby, in Lake Goodwin, the typical rent is $1,316: 25% less than in Stanwood ($1,766).

  2. Nearby, in Oak Harbor, the typical home value is $461,200: 22% less than in Stanwood ($593,100).

  3. The typical household income in Stanwood is $90,242, 19% less than in Snohomish County as a whole ($111,246).

  4. 62% of households in Stanwood own their home, against 68% in Snohomish County.

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

The homes here

Housing in Stanwood

What homes there are in Stanwood, 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 Stanwood, 7 in 10 homes are single-family detached houses; in Snohomish County, 6.

Year built

Homes in Stanwood are newer: the typical year built is 2001; in Snohomish County, 1990.

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

$2,398 a month

Snohomish County: $2,748 a month

Without a mortgage

$749 a month

Snohomish County: $864 a month

Owners with a mortgage

72%

Snohomish County: 72%

In Stanwood, 72% of owners have a mortgage, and their typical cost is $2,398 a month, against $2,748 in Snohomish County. Without one it drops to $749.

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 Snohomish County, the typical home value in Stanwood rose 74% since 2015–2019.

Rents in Stanwood rose faster than in Snohomish County: 65% since 2015–2019, against 36%.

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

MeasureStanwoodSnohomish CountyWashingtonUnited States
Rental vacancy Unreliable estimate4.0%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 2.652.642.502.53
Drive alone 70%65%63%69%
Carpool 12%9%9%9%
Public transit Unreliable estimate3%3%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 17%20%20%15%
Other means Unreliable estimate1%1%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Stanwood look like those in Snohomish County: 2.65 people on average.

The car rules in Stanwood: 70% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.

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 Stanwood?

A typical home costs more than the typical income allows

We start with a typical home in Stanwood, worth $593,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 64% of the typical household income in Stanwood, which is $90,242 a year. For that payment to be 28% of income, a household would need to earn about $204,677 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 Stanwood. 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 $20,759 (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

$4,776

at 7.18% · 30 years

Loan amount
$582,357
Total interest
$837,875
Paid off in
November 2056

Includes $10,016 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,106 a month

  • Tight

    $2,106 to $2,707 a month

  • Hard

    more than $2,707 a month

    Your payment · 64%

Compared with the typical household income in Stanwood ($90,242 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,776
Principal & interest$3,945
Property tax$321
Home insurance$247
FHA mortgage insurance (MIP)$262

You need at least $20,759 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

Stanwood and Snohomish County

Stanwood 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).

Stanwood's own numbers

Typical home value
$593,100
Typical monthly rent
$1,766
Typical yearly household income
$90,242
Households that own their home
62%
Effective property tax rate
0.65%

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 Stanwood

A typical home in Stanwood is worth $593,100: 15% below the county and 5% above Washington. With the typical household income in Stanwood ($90,242 a year), a typical home costs 6.6 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.

  • Stanwood 6.6 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

Stanwood 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
  • Stanwood $593,100
  • Snohomish $696,000
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Stanwood $1,766
  • Snohomish $1,949
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Stanwood $90,242
  • Snohomish $111,246
  • Washington $98,141
  • United States $80,734
See the full table
Stanwood next to Snohomish County and Washington
Measure Stanwood Snohomish County Washington U.S.
Typical home value $593,100 $696,000 $564,600 $332,700
Typical monthly rent $1,766 $1,949 $1,760 $1,413
Typical yearly household income $90,242 $111,246 $98,141 $80,734
Households that own their home 62% 68% 64% 65%
Typical yearly property tax $3,830 $5,364 $4,556 $3,119
Effective property tax rate 0.65% 0.77% 0.81% 0.94%
Renters with high rent for their income 60% 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 Stanwood

For a typical $593,100 home in Stanwood, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Stanwood's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,776a month

    Least cash to close
    Down payment
    $20,759
    Cash to close
    $38,552
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $262

  • Conventional, 5% down $4,667a month

    Down payment
    $29,655
    Cash to close
    $47,448
    Rate
    7.18%
    Mortgage insurance
    PMI · $282

  • Conventional, 20% down, no PMI $3,783a month

    Down payment
    $118,620
    Cash to close
    $136,413
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,331a month

    Down payment
    $88,965
    Cash to close
    $106,758
    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 Stanwood and for Snohomish County.

Property tax

Effective rate in Stanwood

0.65%of the home’s value each year

$3,830 a year for the typical owner in Stanwood.

  • Stanwood 0.65%
  • 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 Stanwood

Typical rent in Stanwood is $1,766 a month: 9% below the county. In Stanwood, 60% 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 Stanwood

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Stanwood is in ZIP code 98292.

For 2 bedrooms it is $2,240: $309 less than the fair market rent for Snohomish County ($2,549).

  • 98292 $2,240$2,920

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

HUD lists 3 buildings with rents for lower incomes in Stanwood. These are the largest.

  • Lincoln School Senior Apartments 7336 276th St NW, Stanwood 98292 44 homes, 43 low-income · For older adults (360) 629-7403
  • Bayview Gardens 7822 272nd St NW, Stanwood 98292 30 homes, 29 low-income · 1 bd: 28 · 2 bd: 2 · In service since 2009
  • Lervick Family Village 8315 272nd St NW, Stanwood 98292 14 homes, 9 low-income · For families (360) 653-4129

See all 127 buildings in Snohomish County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Stanwood

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 young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Stanwood

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

The HUD-approved agencies closest to the center of Stanwood, 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 · 30 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

  • Kulshan Community Land Trust

    1715 C St, Bellingham · 36 miles away

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

  • Opal Community Land Trust

    286 Enchanted Forest Rd, Eastsound · 41 miles away · Spanish

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

Every agency in Snohomish County All counseling agencies in Washington

Help in Spanish near Stanwood

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 Stanwood

HUD’s record names them for Stanwood 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 Stanwood, 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 Stanwood.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Stanwood

Short answers with the numbers for Stanwood 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 Stanwood?

The typical home value in Stanwood is $593,100, 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 Stanwood?

Typical rent in Stanwood is $1,766 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 Stanwood?

Stanwood 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 Stanwood?

The typical homeowner in Stanwood pays $3,830 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in Snohomish County, the rate is 0.77%.

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

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).