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City · 6,943 residents · Snohomish County, Washington

Woods Creek , Washington

In Woods Creek, a typical home is worth $822,800 and typical rent is $2,603 a month. Compared with all of Snohomish County, typical household income is 41% higher, typical rent is 34% higher, and the share of households that own their home is 28 points higher.

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  • Typical home value

    $822,800

    18% above the county

    46% above Washington

    • Woods Creek
    • Snohomish
    • Washington

  • Typical rent

    $2,603a month

    34% above the county

    48% above Washington

    • Woods Creek
    • Snohomish
    • Washington

  • Typical household income

    $156,950a year

    41% above the county

    60% above Washington

    • Woods Creek
    • Snohomish
    • Washington

  • Households that own their home

    96%

    28 points above the county

    33 points above Washington

    • Woods Creek
    • Snohomish
    • Washington

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

Woods Creek 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 Woods Creek apart

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

  1. Woods Creek has the highest homeownership rate of the 191 cities in Washington with more than 5,000 people: 96%.

  2. Nearby, in Snohomish, the typical rent is $1,654: 36% less than in Woods Creek ($2,603).

  3. The typical household income in Woods Creek is $156,950, 41% more than in Snohomish County as a whole ($111,246).

  4. Nearby, in Sultan, the typical home value is $526,100: 36% less than in Woods Creek ($822,800).

  5. Woods Creek has the 9th highest typical rent of the 190 cities in Washington with more than 5,000 people ($2,603).

  6. The typical home in Woods Creek is worth $822,800, 18% more than in Snohomish County as a whole ($696,000).

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

The homes here

Housing in Woods Creek

What homes there are in Woods Creek, 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 houses, standing on their own, make up 91% of homes here, against 64% in Snohomish County.

Year built

By age, homes in Woods Creek look like those in Snohomish County: the typical year built is 1991.

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

$3,264 a month

Snohomish County: $2,748 a month

Without a mortgage

$924 a month

Snohomish County: $864 a month

Owners with a mortgage

66%

Snohomish County: 72%

The typical cost for an owner with a mortgage in Woods Creek is $3,264 a month, more than in Snohomish County ($2,748); without one, $924.

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 Woods Creek gained value faster than in Snohomish County: 85% against 73%.

The typical rent in Woods Creek rose 79% over the same time; in Snohomish County, it rose 36%.

Housing prices ran ahead of income in Woods Creek: typical income rose 48%, against +85% for home values and +79% 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

MeasureWoods CreekSnohomish 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 3.242.642.502.53
Drive alone 68%65%63%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate3%3%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 25%20%20%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Woods Creek has 3.24 people, more than in Snohomish County (2.64).

In Woods Creek, 25% of workers work from home, more than in Snohomish County (20%).

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 Woods Creek?

A typical home costs more than the typical income allows

We start with a typical home in Woods Creek, worth $822,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Woods Creek, which is $156,950 a year. For that payment to be 28% of income, a household would need to earn about $285,415 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 Woods Creek. 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 $28,798 (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

$6,660

at 7.18% · 30 years

Loan amount
$807,897
Total interest
$1,162,374
Paid off in
November 2056

Includes $13,895 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,662 a month

  • Tight

    $3,662 to $4,709 a month

  • Hard

    more than $4,709 a month

    Your payment · 51%

Compared with the typical household income in Woods Creek ($156,950 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,660
Principal & interest$5,473
Property tax$480
Home insurance$343
FHA mortgage insurance (MIP)$364

You need at least $28,798 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

Woods Creek and Snohomish County

Woods Creek 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).

Woods Creek's own numbers

Typical home value
$822,800
Typical monthly rent
$2,603
Typical yearly household income
$156,950
Households that own their home
96%
Effective property tax rate
0.7%

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 Woods Creek

A typical home in Woods Creek is worth $822,800: 18% above the county and 46% above Washington. With the typical household income in Woods Creek ($156,950 a year), a typical home costs 5.2 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.

  • Woods Creek 5.2 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

Woods Creek 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
  • Woods Creek $822,800
  • Snohomish $696,000
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Woods Creek $2,603
  • Snohomish $1,949
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Woods Creek $156,950
  • Snohomish $111,246
  • Washington $98,141
  • United States $80,734
See the full table
Woods Creek next to Snohomish County and Washington
Measure Woods Creek Snohomish County Washington U.S.
Typical home value $822,800 $696,000 $564,600 $332,700
Typical monthly rent $2,603 $1,949 $1,760 $1,413
Typical yearly household income $156,950 $111,246 $98,141 $80,734
Households that own their home 96% 68% 64% 65%
Typical yearly property tax $5,783 $5,364 $4,556 $3,119
Effective property tax rate 0.7% 0.77% 0.81% 0.94%

“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 Woods Creek

For a typical $822,800 home in Woods Creek, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Woods Creek's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,660a month

    Least cash to close
    Down payment
    $28,798
    Cash to close
    $53,482
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $364

  • Conventional, 5% down $6,509a month

    Down payment
    $41,140
    Cash to close
    $65,824
    Rate
    7.18%
    Mortgage insurance
    PMI · $391

  • Conventional, 20% down, no PMI $5,282a month

    Down payment
    $164,560
    Cash to close
    $189,244
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,043a month

    Down payment
    $123,420
    Cash to close
    $148,104
    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 Woods Creek and for Snohomish County.

Property tax

Effective rate in Woods Creek

0.7%of the home’s value each year

$5,783 a year for the typical owner in Woods Creek.

  • Woods Creek 0.7%
  • 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 Woods Creek

Typical rent in Woods Creek is $2,603 a month: 34% above the county.

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 Woods Creek

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Woods Creek is in ZIP code 98272.

For 2 bedrooms it is $2,400: $149 less than the fair market rent for Snohomish County ($2,549).

  • 98272 $2,400$3,130

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

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 grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Woods Creek

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

The HUD-approved agencies closest to the center of Woods Creek, 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 · 19 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 · 27 miles away

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

  • Credit.org - Seattle Branch

    450 Alaskan Way S, Seattle · 28 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 Woods Creek

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 Woods Creek

HUD’s record names them for Woods Creek 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 Woods Creek, 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 Woods Creek.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Woods Creek

Short answers with the numbers for Woods Creek 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 Woods Creek?

The typical home value in Woods Creek is $822,800, 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 Woods Creek?

Typical rent in Woods Creek is $2,603 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 Woods Creek?

Woods Creek 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 Woods Creek?

The typical homeowner in Woods Creek pays $5,783 a year, according to the U.S. Census Bureau. That is 0.7% of the home’s value; in Snohomish County, the rate is 0.77%.

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

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).