Gold Bar 98224
King County, WA · 255 properties · updated 7/5/2026
Should you buy here?buyer-timing lens
42affordability /100
Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.
Payment burden
35%
stretched
Days on market
16
daily
Price cuts
0.0%
of active
Valuation
-7.5%
vs assessor
65
/100
Stable
warming · seller slight · prices rising year-over-year.
Price trend
90
Affordability
45
Valuation
70
Economic health
42
Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.
Buyer / sellerbuyer-timing lens
Negotiate Hard
Needs 14.3% correction for affordability
Score Components
Payment Burden (25%)50
Valuation Gap (25%)100
Supply & Demand (20%)85
Days on Market (5%)20
Moderate buyer leverage in 98224. Room to negotiate 5-10% below list. Payment burden: 35.1% of median income. Median days on market: 16. Market appears 46% overpriced vs. assessed values.
What to Offer
Offer 5-10% below list. You have room to negotiate.
Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.
WARMINGSELLER SLIGHT
Market is warming with rising prices. Sellers hold a slight edge.
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Market snapshoteach number, once
Median price
$499,547
▴ 2.4% YoY
Days on market
16
daily · zip_data
Median rent
$1,950
county avg
Investor score
35/100
cash-flow lens
Active listings
6
90-day
Valuation3 lenses, different anchors
vs assessor
-7.5%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$462,200
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+69.0%
County-wide market — the widest, slowest signal.
King+69.0%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft—
Price-to-income5.8×
How 98224 ranks in WA
percentile vs all Washington ZIPs · n=581
Market velocity69%
Supply tightness67%
Affordability55%
Investment yield—
Appreciation86%
Affordability, supply & momentum
29SUPPLY
BalancedSupply Tightness
Supply and demand are roughly even — standard negotiation dynamics.
Months of Supply12.0 mo
Days on Market16d
Inv vs History+500.0%
Listing Density--
Affordability — payment burden
Monthly payment (P&I)$2,523
Payment burden35%
Median income · ZIP$86,477
Mortgage rate6.49% · 30yr
Total monthly own$3,023
Monthly rent$1,950
Market dynamics
Price cut %0.0%
Momentumwarming
LeverageSELLER SLIGHT
Months of supply12
Sales (90d)0
Investment analysis
Median rent$1,950
Price-to-rent21.3
Est. cap rate2.8%
Buy vs rentfavors renting
Livability
Walk score—
Transit score—
Bike score—
Historical trends
King County contextmacro · jobs · debt · migration
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.