Median home value in zip code 98249 (Freeland, WA) is $730,825, up 0.7% year over year. Part of the Oak Harbor, WA metropolitan area.

Home Value$730,825

YoY Change

+0.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 98249 (Freeland).

Income (annual)

Down Payment

$146,165 on $730,825

Example: $75,000 household income. Change it above to see your own.

Out of reach70.5% of income

Need $188,957/yr to afford.

PITI$4,409

P/I70.5%

Afford$290K

Gap-$441K

P&I $3,695Tax $597Ins $117

6.50% 30yr, 20% down, county tax + WA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

98249 is part of the Oak Harbor, WA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Oak Harbor, WA analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.