ZIP 84009 vs ZIP 84106

84009 is one of 42 ZIP codes that lie mostly in Salt Lake County, UT.

Shaded by typical home value, it ranks 11 of the 34 nearby ZIPs shown.

10 school locations in 84009: 5 middle, 5 high.

In alphabetical order: American Academy of Innovation, Aspen Elementary, Daybreak School, Early Light Academy at Daybreak, and more on the ZIP page. Locations only — no ratings are shown here.

84106 is one of 42 ZIP codes that lie mostly in Salt Lake County, UT.

Shaded by typical home value, it ranks 14 of the 34 nearby ZIPs shown.

11 school locations in 84106: 6 middle, 5 high.

In alphabetical order: Blind Region 2, Central Region Deaf, Highland High, Highland Park School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 84009 was worth $212,515.

Values peaked at $638,759 in June 2022. The latest reading is −4.2% from that peak.

As of August 2026: $611,746, +1.2% over twelve months.

Start with the typical home: $611,746. Put 20% down and borrow $489,397 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,388 a month in principal and interest.

The median household here earns $130,559 a year, $10,880 a month. So the payment takes 31.1% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 10.8% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,272.

In December 2020, with rates at 2.68%, it was $1,467.

By August 2026, at 6.67%, it was $3,147 — +115% since December 2020, while the home's value moved +35%.

Reported values rose +188% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $419,420. So the real change is +46%, not +188%.

84009: +188% since January 2000.

Salt Lake County: +219% since January 2000.

Utah: +215% since January 2000 — 84009 ran behind it by 27 points.

Against 240 Utah ZIP codes, 84009 sits at the 80th percentile for affordability (price vs local income).

23rd for appreciation (recent value growth); 66th for rental yield (rent vs price).

Owning the typical home costs about $4,000 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,023 a month.

Price divided by a year's rent: 25.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 84106 was worth $167,420.

Values peaked at $607,580 in June 2022. The latest reading is −1.6% from that peak.

As of August 2026: $597,830, +3.4% over twelve months.

Start with the typical home: $597,830. Put 20% down and borrow $478,264 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,311 a month in principal and interest.

The median household here earns $94,452 a year, $7,871 a month. So the payment takes 42.1% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 11.8% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,002.

In December 2020, with rates at 2.68%, it was $1,441.

By August 2026, at 6.67%, it was $3,076 — +113% since December 2020, while the home's value moved +34%.

Reported values rose +257% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $330,421. So the real change is +81%, not +257%.

84106: +257% since January 2000.

Salt Lake County: +219% since January 2000.

Utah: +215% since January 2000 — 84106 ran ahead of it by 42 points.

Against 240 Utah ZIP codes, 84106 sits at the 33rd percentile for affordability (price vs local income).

62nd for appreciation (recent value growth); 54th for rental yield (rent vs price).

Owning the typical home costs about $3,909 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,887 a month.

Price divided by a year's rent: 26.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 117 a month (Redfin, 3-month rolling data through August 2026). That is 104% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 358. That is 194% of the 2015–2019 level for the same months.

Going out — closed sales: about 101 a month. That is 98% of the 2015–2019 level for the same months. The drain is drawn 50% narrower: the share of homes for sale that sell each month is 50% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.5 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 16 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 101 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 89 — so sales ran at 113% of it, and below it in 17 of the last 24 months.

Across Salt Lake County, builders pulled permits for 7,179 new homes in 2025.

Of those, 36% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 54 a month (Redfin, 3-month rolling data through August 2026). That is 68% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 139.

Going out — closed sales: about 39 a month. That is 56% of the 2015–2019 level for the same months. The drain is drawn 58% narrower: the share of homes for sale that sell each month is 42% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.5 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 15 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 39 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 63 — so sales ran at 62% of it, and below it in 24 of the last 24 months.

Across Salt Lake County, builders pulled permits for 7,179 new homes in 2025.

Of those, 36% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Salt Lake County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 11,948 moved in. Among the ten receiving the most, 14,547 moved out.

Net across those counties: −2,599 households. Beside it, homes for sale in this ZIP: 358 in June 2026.

Most arrivals came from Utah, UT (4,666 households); most departures went to Utah, UT (5,735).

County assessor records list 26,364 properties with a market value here. Their average assessed market value is $631,700; the typical home value is $611,746.

The assessor average sits +3.3% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Salt Lake County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 11,948 moved in. Among the ten receiving the most, 14,547 moved out.

Net across those counties: −2,599 households. Beside it, homes for sale in this ZIP: 139 in June 2026.

Most arrivals came from Utah, UT (4,666 households); most departures went to Utah, UT (5,735).

County assessor records list 7,623 properties with a market value here. Their average assessed market value is $642,500; the typical home value is $597,830.

The assessor average sits +7.5% from the market figure — an average against a typical value, so treat it as a check, not a verdict.