Cost of Living in Lynnwood – Housing, Groceries, Taxes & More

Lynnwood is considered moderately expensive in 2025, with average rent for a 2-bedroom apartment at $2,100 and slightly higher grocery and utility costs compared to the national average.

Housing Costs in Lynnwood

Housing is the biggest expense for most Lynnwood residents. Typical options include apartments, condos, townhomes, and single-family houses. Rents and home prices vary by neighborhood, with areas closer to downtown Seattle commanding higher rates.

For renters, a basic 2-bedroom apartment averages around $2,100 per month as of 2025. Luxury units with amenities like in-unit laundry and covered parking can exceed $2,600. Buying a modest 3-bedroom house typically starts around $650,000, with larger new construction easily topping $800,000 in desirable neighborhoods.

Many Lynnwood neighborhoods have active homeowners associations (HOAs). Typical HOA dues range from $200-400 per month, covering amenities and exterior maintenance. While an added cost, HOAs can provide value and convenience for busy homeowners.

Utilities and Energy Bills

Utility costs in Lynnwood tend to run slightly higher than the national average. Expect around $150 per month for electricity for a 2-bedroom apartment, with spikes in winter due to heating. Water, sewer, and trash are often bundled into rent for apartments but can add $80-100 per month for homeowners.

High-speed internet starts around $65 per month for basic plans. Upgrading to faster speeds for streaming or gaming can push the bill closer to $100. Cell phone plans with data average $40-70 per line with major carriers.

Groceries and Daily Expenses

Grocery costs in Lynnwood are about 10% higher than the U.S. average. Budget around $400 per month for a single person, adding $200-300 for each additional family member. Shopping at local chains like WinCo Foods or Grocery Outlet can trim the bill. Dining out costs vary, but a typical meal out for two averages $50-70 with tip.

For other daily expenses, budget:

• $50/month for personal care and toiletries
• $100/month for cleaning supplies and household goods
• $150/month per person for clothing and shoes

Of course, individual lifestyle and brand preferences can shift these figures up or down. One money-saving tip popular with locals is stocking up during seasonal sales, especially for items like winter coats and back-to-school gear.

Taxes and Hidden Fees

Washington state has no personal income tax, which can help offset other costs. However, Lynnwood’s sales tax rate is 10.5% as of 2025, higher than many other parts of the country. Property taxes are around 1.1% of assessed value, translating to $5,500 per year for a $500,000 home.

Vehicle owners must pay annual registration fees and gas taxes. For a typical sedan, registration runs about $100 per year plus any applicable local fees. Another hidden cost can be tolls, which apply on some busy commuter routes. The Good to Go! pass, while handy, dings frequent crossers $5-7 per day.

Monthly Cost of Living in Lynnwood

Based on these estimates, a single person needs around $3,650 in gross monthly income to live comfortably in Lynnwood, while a couple should aim for $4,500. For a family of four, $6,150 per month provides a middle-class lifestyle. Note that these are averages and the tax burden can vary significantly based on income level and sources.

Lifestyle Considerations

Lynnwood offers a blend of urban convenience and suburban livability about 20 miles north of downtown Seattle. Commute times are a key factor, with driving into the city easily taking 45-60 minutes each way during peak times. Many residents opt for public transit, with express buses and the Sounder train providing service to major employment hubs.

Housing choices trend toward older homes and low-rise apartments, with most properties built between 1970-2000. Yards tend to be modest but well-kept. For those craving more space, newer developments with larger floor plans can be found on the fringes of town – at a heftier price point.

Lynnwood’s extensive park system is a major draw for families and outdoor enthusiasts. Local favorites include Scriber Lake Park, with walking trails and a peaceful vibe, and Meadowdale Beach Park, featuring a sandy beach and hiking down to Puget Sound. The rec center offers affordable classes and sports leagues for all ages.

Frequently Asked Questions

• Is Lynnwood cheaper than Seattle?
  Yes, Lynnwood’s housing costs average 20-30% less than comparable properties in Seattle proper. Everyday expenses like groceries and dining out are also more affordable.
• Are utilities expensive in Lynnwood?
  
  Utility costs in Lynnwood are slightly higher than the national average. Electricity rates in particular can spike during cold winters. Choosing an energy-efficient apartment or home can help control costs.
• How much do I need to earn to live in Lynnwood?
  A single person needs around $3,650 in gross monthly income to live comfortably in Lynnwood, while a family of four should aim for at least $6,150. Dual-income households can often secure a middle-class lifestyle.
• What are the top 3 costs that surprise newcomers to Lynnwood?
  New Lynnwood residents are often caught off guard by high sales taxes (10.5%), hefty HOA dues in many neighborhoods ($200-400/month), and tolls on key commuter routes ($5-7/day). Budgeting for these “hidden” costs is crucial.
• Is Lynnwood a good place to raise a family?
  Lynnwood can be a great choice for families, with solid public schools, ample parks and recreation, and a quieter vibe than Seattle. However, housing costs and longer commute times are important tradeoffs to consider.