ZIP 84109 vs ZIP 84020

84109 is one of 42 ZIP codes that lie mostly in Salt Lake County, UT.

Shaded by typical home value, it ranks 4 of the 34 nearby ZIPs shown.

7 school locations in 84109: 2 elementary, 3 middle, 2 high.

In alphabetical order: Canyon Rim Academy, Eastwood School, Evergreen Jr High, Rosecrest School, and more on the ZIP page. Locations only — no ratings are shown here.

84020 is one of 42 ZIP codes that lie mostly in Salt Lake County, UT — 80% of its own area is in the county.

Shaded by typical home value, it ranks 5 of the 34 nearby ZIPs shown.

11 school locations in 84020: 3 elementary, 5 middle, 3 high.

In alphabetical order: American Preparatory Academy - Draper #1, American Preparatory Academy - Draper #2, American Preparatory Academy - Draper #3, Channing Hall, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 84109 was worth $253,465.

Values peaked at $813,253 in August 2026. The latest reading is the peak.

As of August 2026: $813,253, +4.9% over twelve months.

Start with the typical home: $813,253. Put 20% down and borrow $650,602 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,505 a month in principal and interest.

The median household here earns $136,823 a year, $11,402 a month. So the payment takes 39.5% 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 12.3% 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 $1,518.

In December 2020, with rates at 2.68%, it was $1,893.

By August 2026, at 6.67%, it was $4,184 — +121% since December 2020, while the home's value moved +39%.

Reported values rose +221% 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 $500,239. So the real change is +63%, not +221%.

84109: +221% since January 2000.

Salt Lake County: +219% since January 2000.

Utah: +215% since January 2000 — 84109 ran ahead of it by 6 points.

Against 240 Utah ZIP codes, 84109 sits at the 39th percentile for affordability (price vs local income).

87th for appreciation (recent value growth); 54th for rental yield (rent vs price).

Owning the typical home costs about $5,318 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,293 a month.

Price divided by a year's rent: 29.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 84020 was worth $261,813.

Values peaked at $826,592 in June 2022. The latest reading is −1.9% from that peak.

As of August 2026: $810,951, +2.9% over twelve months.

Start with the typical home: $810,951. Put 20% down and borrow $648,761 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,492 a month in principal and interest.

The median household here earns $130,680 a year, $10,890 a month. So the payment takes 41.2% 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 13.3% 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 $1,568.

In December 2020, with rates at 2.68%, it was $1,887.

By August 2026, at 6.67%, it was $4,172 — +121% since December 2020, while the home's value moved +39%.

Reported values rose +210% 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 $516,715. So the real change is +57%, not +210%.

84020: +210% since January 2000.

Salt Lake County: +219% since January 2000.

Utah: +215% since January 2000 — 84020 ran behind it by 5 points.

Against 240 Utah ZIP codes, 84020 sits at the 35th percentile for affordability (price vs local income).

60th for appreciation (recent value growth); 18th for rental yield (rent vs price).

Owning the typical home costs about $5,303 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,704 a month.

Price divided by a year's rent: 39.7. 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 30 a month (Redfin, 3-month rolling data through August 2026). That is 72% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 67.

Going out — closed sales: about 26 a month. That is 65% of the 2015–2019 level for the same months. The drain is drawn 3% narrower: the share of homes for sale that sell each month is 97% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.6 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 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 26 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 31 — so sales ran at 84% of it, and below it in 20 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 63 a month (Redfin, 3-month rolling data through August 2026). That is 63% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 197. That is 84% of the 2015–2019 level for the same months.

Going out — closed sales: about 44 a month. That is 48% of the 2015–2019 level for the same months. The drain is drawn 46% narrower: the share of homes for sale that sell each month is 54% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.5 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 19 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 44 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 77 — so sales ran at 57% 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: 67 in June 2026.

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

County assessor records list 19,129 properties with a market value here. Their average assessed market value is $618,100; the typical home value is $813,253.

The assessor average sits −24.0% 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: 197 in June 2026.

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

County assessor records list 13,800 properties with a market value here. Their average assessed market value is $737,750; the typical home value is $810,951.

The assessor average sits −9.0% from the market figure — an average against a typical value, so treat it as a check, not a verdict.