Median home value in zip code 98281 (Point Roberts, WA) is $391,836, up 4.8% year over year. Part of the Bellingham, WA metropolitan area.

Home Value$391,836

YoY Change

+4.8%

Prices rising — worse for buyers.

Affordability

Enter your income for 98281 (Point Roberts).

Income (annual)

Down Payment

$78,367 on $391,836

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

Out of reach38.7% of income

Need $103,629/yr to afford.

PITI$2,418

P/I38.7%

Afford$284K

Gap-$108K

P&I $1,981Tax $320Ins $117

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

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

Metro Analysis

98281 is part of the Bellingham, WA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Bellingham, 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.