Can You Afford a Home in Mill Creek, WA?
A typical home in Mill Creek is worth $952,678, down 3.9% over the past year. That is $206K above the Snohomish County typical of $746,872.
Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Mill Creek costs $952,678. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Snohomish County
Prices below are what keeps housing at 33% of gross income, using Snohomish County’s 0.77% effective property tax rate. The Conventional column assumes 20% down; the zero-down columns finance the funding fee into the loan.
| Household income | Conventional | VA | Zero-down CU | FHA |
|---|---|---|---|---|
| $75,000 | $321,000 | $265,000 | $243,000 | $259,000 |
| $100,000 | $439,000 | $363,000 | $332,000 | $354,000 |
| $125,000 | $558,000 | $460,000 | $422,000 | $450,000 |
| $150,000 | $676,000 | $558,000 | $512,000 | $546,000 |
| $200,000 | $913,000 | $754,000 | $691,000 | $737,000 |
How Mill Creek compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Lynnwood | $760,273 | -2.6% | $168,000 |
| Mukilteo | $909,085 | -2.1% | $199,000 |
| Edmonds | $922,484 | -1.2% | $202,000 |
| Snohomish | $923,877 | -1.6% | $202,000 |
| Mill Creek (this page) | $952,678 | -3.9% | $208,000 |
| Brier | $969,070 | -2.9% | $212,000 |
| Bothell | $1,015,871 | -5.2% | $222,000 |
If Mill Creek is out of reach, Lynnwood, Mukilteo, Edmonds, Snohomish sit lower in the same county — same commute shed, same schools district-by-district, less money.
What this does not tell you
These are typical values, not listings. Half the homes in Mill Creek sell for less than $952,678, and condos and townhomes sit well below it. Property tax is a county-wide effective rate, so your parcel will differ. Insurance is a state average. Run your own numbers with your own quote before you take any of this as settled.