Area data
Bear creek, WA — ZIP 98528
Population: 11,940 (Census ACS)
The median home value in ZIP 98528 (Bear creek, WA) is $493,858 — up 0.0% over the past year. Homes sell for a median $490,750 after a median 18 days on market. Typical rent runs $2,134/month. 8 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with landslide, coastalflooding, earthquake the top-rated hazards. Cost of living is 7.5% above the US average (BEA, metro/state-level).
$493,858
Median home value
0.0%
1-year change
18
Median days on market
Relatively Moderate
Hazard risk (county)
Home values & appreciation
- Median home value
- $493,858
- 1-year appreciation
- 0.0%
- 3-year appreciation
- +3.8%
- 5-year appreciation
- +9.6%
- 10-year appreciation
- +113.3%
- All-time peak (2022-07)
- $512,966
- House Price Index (state)
- 588.1 (+2.2% YoY)
Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)
Market activity
- Median sale price
- $490,750
- Median list price
- $572,000
- Median price per sqft
- $342
- 1-year sale-price change
- +9.1%
- Median days on market
- 18 days
- Homes sold (recent period)
- 32
- For-sale inventory
- 58
- Sale-to-list ratio
- 99.8%
- Active listings
- 41
- 1-year forecast
- -0.9%
- New listings (monthly)
- 18
Source: recent area sales and market data (ZIP-level)
Rents
- Typical rent
- $2,134/mo
- Studio fair-market rent
- $1,083/mo
- 1BR fair-market rent
- $1,354/mo
- 2BR fair-market rent
- $1,680/mo
- 3BR fair-market rent
- $2,183/mo
- 4BR fair-market rent
- $2,519/mo
Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)
Affordability
- Cost of living index (Above Average)
- 107.5 (100 = US avg)
- Electricity rate (state-level)
- 13.1¢/kWh
- Natural gas rate (state-level)
- $17.60/MCF
- 30-year mortgage rate (national)
- 6.66%
- 15-year mortgage rate (national)
- 6.00%
Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)
Schools
- Total schools
- 8
- Elementary schools
- 2
- Middle schools
- 1
- High schools
- 2
- Schools include
- Belfair Elementary, North Mason Senior High School, Hawkins Middle School, Sand Hill Elementary, James A. Taylor High School
Source: NCES school directory, 2022-23 (school-address-based)
Natural hazards & flood risk
- Overall hazard risk (county)
- Relatively Moderate
- Top hazards (county)
- landslide, coastalFlooding, earthquake, inlandFlooding
- Notable hazard ratings (county)
- coastalFlooding: Relatively Moderate · earthquake: Relatively Moderate · heatWave: Relatively Low · inlandFlooding: Relatively Moderate · landslide: Relatively High · winterWeather: Relatively Low
- FEMA flood zone
- AE
- Flood risk level
- High
- Wildfire risk to homes (county)
- Higher than 22% of US counties
- Buildings in wildfire direct-exposure zone
- 65.9%
- Radon potential (county)
- Low radon potential — EPA Zone 3 of 3
- EPA Superfund (NPL) sites within 5 mi
- None
- Nearest Superfund site
- Jackson Park Housing Complex (USNAVY) (13.6 mi)
Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL
Climate (30-year normals)
- Annual precipitation
- 54.6 in
- USDA plant hardiness zone
- 8b (extreme annual low 15 to 20°F)
Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)
Air quality
- Air quality rating
- Good
- Median AQI (annual)
- 24
- Days with Good air quality
- 313
- Days with Moderate air quality
- 49
- Highest AQI recorded (year)
- 106
Source: EPA air quality data (nearest monitoring station, annual)
Walkability & transit
- Walkability index
- 11.7 / 20
- Transit service frequency
- 885
- Jobs reachable by car (30 min)
- 3,200
- Jobs reachable by transit (45 min)
- 3,340
Source: EPA Smart Location Database (metropolitan block groups)
Amenities
- National parks within ~60 mi
- 4
- Nearest national park
- Klondike Gold Rush - Seattle Unit National Historical Park (28 mi)
- National parks include
- Klondike Gold Rush - Seattle Unit National Historical Park, Wing Luke Museum Affiliated Area, Olympic National Park
- Airports within 30 mi
- 17
- Nearest airport
- Bremerton National Airport (PWT) (7 mi)
- Nearest major airport
- Bremerton National Airport (PWT) (7 mi)
- Hospitals nearby (~15 mi)
- 2
- Hospitals include
- HARRISON MEDICAL CENTER, ST ANTHONY HOSPITAL
- Avg hospital rating (CMS)
- 4.0 / 5
- Best hospital rating nearby (CMS)
- 4.0 / 5
- Solar radiation rating
- Poor (3.4 kWh/m²/day)
Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)
Migration
- Net migration (county)
- +249 tax filers
Source: IRS county-to-county migration data (county-level, ~12-month lag)
Housing stock
- Median year housing built
- 1,991
- Housing built before 1970
- 20.8%
- Housing built 2000 or later
- 22.9%
- Median annual property tax
- $2,922
- Mean commute to work
- 33 min
- Households with broadband internet
- 74.4%
Source: Census ACS 5-year estimates (ZIP-level)
Employment & development
- Total county employment
- 8,994
- Average weekly wage
- $868
- Top industries (by employment)
- Accommodation & Food, Health Care, Construction
- Annual residential building permits (county)
- 299
Sources: BLS QCEW (county-level) · Census Building Permits (county-level)
How it compares
| ZIP 98528 | State median | US median | |
|---|---|---|---|
| Median home value | $493,858 | $504,993 | $289,727 |
| Median sale price | $490,750 | $510,000 | $325,000 |
| Median days on market | 18 days | 29 days | 51 days |
| Typical rent | $2,134/mo | $2,041/mo | $1,808/mo |
| Median annual property tax | $2,922 | $3,381 | $2,006 |
State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.
Area data compiled from public government, academic, and industry research feeds. Data sources →
Common questions
- What is the median home value in ZIP 98528?
- $493,858.
- What is the median sale price in ZIP 98528?
- $490,750.
- How long do homes take to sell in ZIP 98528?
- Median days on market: 18 days.
- What is typical rent in ZIP 98528?
- Typical rent: $2,134/month.
- What is the natural-hazard risk in ZIP 98528?
- Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: landslide, coastalFlooding, earthquake, inlandFlooding.
- Is ZIP 98528 in a flood zone?
- High (FEMA NFIP). FEMA flood zone AE.
- What is the wildfire risk in ZIP 98528?
- Risk to homes is higher than 22% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
- What is the radon potential in ZIP 98528?
- Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
- Are there Superfund sites near ZIP 98528?
- No current or proposed National Priorities List sites within 5 miles (EPA).
- How many schools serve ZIP 98528?
- 8 schools (2 elementary, 1 middle, 2 high) (NCES, 2022-23).
- Is ZIP 98528 walkable?
- Walkability index: 11.7/20 (EPA Smart Location Database).
- What is the air quality in ZIP 98528?
- Good. Median AQI: 24. (EPA AQI).
- What is the cost of living in ZIP 98528?
- Regional Price Parity: 107.5 (100 = US average) (Above Average) (BEA RPP, metro/state-level).
Nearby ZIP codes
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Data last updated
Most recent source refresh: Sep 2026. See all data sources →