Local
Learn about the people, housing, costs and businesses in Birch Bay, Washington
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Birch Bay.
True all-in cost — P&I, taxes, insurance & utilities for homes in Birch Bay.
Find and compare lenders active near Birch Bay.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Birch Bay.
Seismic risk and earthquake insurance estimates for Birch Bay.
Wildfire exposure and insurance estimates for Birch Bay.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Birch Bay is approximately 6.826% (6.860% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Birch BayThe median home value in Birch Bay is $521k. The median monthly rent is $1,656. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Birch Bay have increased 3.7% over the past two years. This represents moderate growth. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,553/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $67k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Birch Bay is $87k/year.
Calculate your buying powerThe largest employment sectors in Birch Bay are public administration (24%) and retail (16%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.