HousingHandbookReference data

U.S. ZIP Code · WA98846

Okanogan County

Typical home value

$445,445[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+0.7%
5-year / yr
+3.4%
10-year / yr
+6.5%

Relative price

vs U.S.
+56.8%
vs metro
vs state
-11.5%
ZIP 98846 location in WA
Location of ZIP 98846 in WA

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 98846 is worth $445,445. Over the past year, values have risen 0.7%. The effective property tax rate is 0.6%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.6%[3]
Typical annual tax
$2,579[3]

#Climate risk

FEMA National Risk Index ratings for Okanogan County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively Moderate
Coastal flood
Not Applicable
Wildfire
Relatively High
Drought
Very Low
Heat wave
Relatively Low
Hurricane
Not Applicable
Tornado
Very Low
Earthquake
Relatively Low
Winter weather
Relatively Moderate

#Who lives here

Population
1,376[3]
Median household income
$84,464[3]

#Migration

Household moves in and out of Okanogan County over a year, from IRS tax-return data.

Net migration
+36[5]
Moved in
978
Moved out
942

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
3
Elementary
1
Middle
0
High
1
  • Pateros Elementary

    Elementary · Grades K–6 · Pateros School District

    120 students

  • Pateros High School

    High · Grades 7–12 · Pateros School District

    110 students

  • Pateros Alternative School

    Other · Grades PK–12 · Pateros School District

    0 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$2,252
Loan principal$356,356
Down payment$89,089
Total interest paid$454,513

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$2,839
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
[1]
Rental yield
[2]
Property tax
[3]

Frequently asked

How much is a home worth in ZIP code 98846?
The typical home in 98846 is worth $445,445, based on the Zillow Home Value Index.
Are home values rising in 98846?
Home values in 98846 are up 0.7% over the past year, and up 3.4% a year over five years.
What is the property tax rate in 98846?
The effective property tax rate in 98846 is 0.6% — roughly $2,579 a year on a typical home.
Who lives in 98846?
ZIP code 98846 has a population of 1,376 and a median household income of $84,464.

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Pit ZIP 98846 against any other ZIP — full side-by-side table.

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