Clover Creek, WA—98445
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Clover Creek, WA
Home Price Trends — Clover Creek, WA
As of Oct '25, the median home price in Clover Creek, WA is $486,000, with a year-over-year change of -0.3%. This indicates that home prices in Clover Creek, WA are flat. According to Zillow, the 1-year price projection is -0.1%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $486,000 | -0.3% |
| Single Family | $488,000 | -0.4% |
| Condos | $363,000 | 0.6% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $399,000 | -1.0% |
3 Bed | $476,000 | -0.4% |
4 Bed | $523,000 | 0.0% |
| 5 Bed | $569,000 | 0.2% |
% of Housing Stock
Rental Trends — Clover Creek, WA
As of July '25, Rentcast reports the average rent in Clover Creek, WA is $2,420, with a year-over-year rent change of -6.2%. Per bedroom, the median rent as of July '25 in Clover Creek, WA is studios: $1,400, 1-bedrooms: $1,410, 2-bedrooms: $2,130, 3-bedrooms: $2,670, 4-bedrooms: $2,610. The most common rental property sizes in Clover Creek, WA are 2-bedroom and 3-bedroom, accounting for 43.6% and 32.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,540 | $2,420 |
| Studio Rent | $1,380 | $1,400 |
| 1 Bed Rent | $1,400 | $1,410 |
| 2 Bed Rent | $2,000 | $2,130 |
| 3 Bed Rent | $2,580 | $2,670 |
| 4 Bed Rent | $2,850 | $2,610 |
% of Rental Stock
Property Listings — Clover Creek, WA
As of Oct '25, Realtor.com reports that the median days on market for a home in Clover Creek, WA is 54. This is a increase of 16.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 26.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $544,000 | -3.0% |
Listing Count | 136 | -1.0% |
| Listings as % of Homes | 0.5% | -1.0% |
Days on Market | 54 | 16.0% |
Demographics — Clover Creek, WA
As of the latest ACS Survey released in 2023, Clover Creek, WA has a population of 33,600, which has increased by 3.3% over the past 5 years. Clover Creek, WA is a moderately popular place for families, as children make up 23.9% of the population. The area has a poorly educated workforce, with 19.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 33,600 | 3.3% |
% Under 18 | 23.9% | -4.4% |
% Seniors | 16.7% | 38.0% |
% WFH | 8.3% | 124.3% |
% w/ College Degree | 19.1% | 17.9% |
As of the latest ACS Survey released in 2023, Clover Creek, WA is a predominantly white area, with 52.6% of the population identifying as white. The white population has shrunk by 7.2% in the last 5 years. The second most common race or ethnicity in Clover Creek, WA is hispanic, making up 13.9% of the population. Foreign-born residents account for 12.3% of the population in Clover Creek, WA, and this percentage has increased by 6.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 52.6% | -7.2% |
% Black | 10.0% | -2.0% |
% Hispanic | 13.9% | 8.6% |
% Asian | 5.8% | -25.6% |
% Foreign Born | 12.3% | 6.0% |
Mortgage and Risk — Clover Creek, WA
According to HUD data as of 2023, there were 537 mortgage originations in Clover Creek, WA, of which 60.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 43.0% above 90% LTV (very high). This implies large mortgage risk in Clover Creek, WA. Investor activity is low, as 1.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 537 |
% Conventional Loans | 60.0% |
% Government Loans | 40.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Clover Creek, WA
As of 2024, the percent of homes in Clover Creek, WA under the Section 8 program is 8.6%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Clover Creek, WA, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.
Section 8 Market Size
Total Units under HUD | 353 |
Total Units Section 8 | 325 |
% Rentals under Section 8 | 8.6% |
% Occupied Section 8 | 84.9% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $290 | $1,400 | $1,690 |
| 2 Bedroom | $80 | $2,000 | $2,080 |
| 3 Bedroom | $330 | $2,580 | $2,910 |
| 4 Bedroom | $480 | $2,850 | $3,330 |
Affordability — Clover Creek, WA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.1 |
| Median Home Price | $486,000 |
| Median Household Income | $90,100 |