Clover Creek, WA—98446
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 $547,000, with a year-over-year change of 0.6%. 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 | $547,000 | 0.6% |
| Single Family | $550,000 | 0.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $429,000 | -0.2% |
3 Bed | $536,000 | 0.6% |
4 Bed | $603,000 | 0.8% |
| 5 Bed | $674,000 | 0.0% |
% of Housing Stock
Rental Trends — Clover Creek, WA
As of July '25, Rentcast reports the average rent in Clover Creek, WA is $2,240, with a year-over-year rent change of -4.3%. Per bedroom, the median rent as of July '25 in Clover Creek, WA is 1-bedrooms: $1,620, 2-bedrooms: $2,160, 3-bedrooms: $2,640, 4-bedrooms: $3,250. The most common rental property sizes in Clover Creek, WA are 3-bedroom and 2-bedroom, accounting for 49.8% and 29.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,300 | $2,240 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,680 | $1,620 |
| 2 Bed Rent | $2,200 | $2,160 |
| 3 Bed Rent | $2,500 | $2,640 |
| 4 Bed Rent | $2,950 | $3,250 |
% 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 75. This is a increase of 39.0% 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 23.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $634,000 | 10.0% |
Listing Count | 71 | 100.0% |
| Listings as % of Homes | 0.4% | 100.0% |
Days on Market | 75 | 39.0% |
Demographics — Clover Creek, WA
As of the latest ACS Survey released in 2023, Clover Creek, WA has a population of 14,200, which has increased by 36.6% over the past 5 years. Clover Creek, WA is a moderately popular place for families, as children make up 25.0% of the population. The area has a poorly educated workforce, with 21.0% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 14,200 | 36.6% |
% Under 18 | 25.0% | 16.3% |
% Seniors | 13.3% | -2.2% |
% WFH | 9.2% | 104.4% |
% w/ College Degree | 21.0% | 11.7% |
As of the latest ACS Survey released in 2023, Clover Creek, WA is a predominantly white area, with 61.1% of the population identifying as white. The white population has shrunk by 19.8% in the last 5 years. The second most common race or ethnicity in Clover Creek, WA is hispanic, making up 16.9% of the population. Foreign-born residents account for 6.8% of the population in Clover Creek, WA, and this percentage has increased by 11.5% 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 | 61.1% | -19.8% |
% Black | 6.7% | 67.5% |
% Hispanic | 16.9% | 168.3% |
% Asian | 3.9% | -26.4% |
% Foreign Born | 6.8% | 11.5% |
Mortgage and Risk — Clover Creek, WA
According to HUD data as of 2023, there were 248 mortgage originations in Clover Creek, WA, of which 71.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 32.0% above 90% LTV (very high). This implies large mortgage risk in Clover Creek, WA. Investor activity is low, as 2.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 248 |
% Conventional Loans | 71.0% |
% Government Loans | 29.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 10.0% |
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 5.6%. 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 | 87 |
Total Units Section 8 | 87 |
% Rentals under Section 8 | 5.6% |
% Occupied Section 8 | 84.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $140 | $1,680 | $1,820 |
| 2 Bedroom | $40 | $2,200 | $2,240 |
| 3 Bedroom | $640 | $2,500 | $3,140 |
| 4 Bedroom | $630 | $2,950 | $3,580 |
Affordability — Clover Creek, WA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.1 |
| Median Home Price | $547,000 |
| Median Household Income | $101,000 |