ZIP 98022 vs ZIP 98092

98022 is one of 86 ZIP codes that lie mostly in King County, WA — 61% of its own area is in the county.

Shaded by typical home value, it ranks 24 of the 39 nearby ZIPs shown.

9 school locations in 98022: 5 elementary, 2 middle, 2 high.

In alphabetical order: Byron Kibler Elementary School, Enumclaw Middle School, Enumclaw Sr High School, JJ Smith Elementary, and more on the ZIP page. Locations only — no ratings are shown here.

98092 is one of 86 ZIP codes that lie mostly in King County, WA — 97% of its own area is in the county.

Shaded by typical home value, it ranks 23 of the 38 nearby ZIPs shown.

13 school locations in 98092: 8 elementary, 1 middle, 3 high, 1 other.

In alphabetical order: Arthur Jacobsen Elementary, Auburn Mountainview High School, Auburn Online, Auburn Riverside High School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 98022 was worth $216,348.

Values peaked at $679,104 in February 2025. The latest reading is −1.9% from that peak.

As of August 2026: $666,156, −0.3% over twelve months.

Start with the typical home: $666,156. Put 20% down and borrow $532,925 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,690 a month in principal and interest.

The median household here earns $116,613 a year, $9,718 a month. So the payment takes 38.0% 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 $1,295.

In December 2020, with rates at 2.68%, it was $1,668.

By August 2026, at 6.67%, it was $3,427 — +105% since December 2020, while the home's value moved +29%.

Reported values rose +208% 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 $426,985. So the real change is +56%, not +208%.

98022: +208% since January 2000.

King County: +235% since January 2000.

Washington: +236% since January 2000 — 98022 ran behind it by 28 points.

Against 581 Washington ZIP codes, 98022 sits at the 55th percentile for affordability (price vs local income).

33rd for appreciation (recent value growth); 55th for rental yield (rent vs price).

Owning the typical home costs about $4,356 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,225 a month.

Price divided by a year's rent: 24.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 98092 was worth $223,163.

Values peaked at $695,266 in June 2022. The latest reading is −4.8% from that peak.

As of August 2026: $661,786, −0.6% over twelve months.

Start with the typical home: $661,786. Put 20% down and borrow $529,429 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,666 a month in principal and interest.

The median household here earns $116,614 a year, $9,718 a month. So the payment takes 37.7% 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 12.7% 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 $1,336.

In December 2020, with rates at 2.68%, it was $1,644.

By August 2026, at 6.67%, it was $3,405 — +107% since December 2020, while the home's value moved +30%.

Reported values rose +197% 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 $440,435. So the real change is +50%, not +197%.

98092: +197% since January 2000.

King County: +235% since January 2000.

Washington: +236% since January 2000 — 98092 ran behind it by 40 points.

Against 581 Washington ZIP codes, 98092 sits at the 55th percentile for affordability (price vs local income).

29th for appreciation (recent value growth); 50th for rental yield (rent vs price).

Owning the typical home costs about $4,327 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,128 a month.

Price divided by a year's rent: 25.9. 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 43 a month (Redfin, 3-month rolling data through August 2026). That is 90% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 95.

Going out — closed sales: about 32 a month. That is 81% of the 2015–2019 level for the same months. The drain is drawn 16% narrower: the share of homes for sale that sell each month is 84% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.0 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 11 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 32 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 35 — so sales ran at 91% of it, and below it in 21 of the last 24 months.

Across King County, builders pulled permits for 8,505 new homes in 2025.

Of those, 30% 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 66 a month (Redfin, 3-month rolling data through August 2026). That is 62% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 158. That is 99% of the 2015–2019 level for the same months.

Going out — closed sales: about 42 a month. That is 46% of the 2015–2019 level for the same months. The drain is drawn 49% narrower: the share of homes for sale that sell each month is 51% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.7 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 24 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 42 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 84 — so sales ran at 50% of it, and below it in 24 of the last 24 months.

Across King County, builders pulled permits for 8,505 new homes in 2025.

Of those, 30% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in King County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 23,473 moved in. Among the ten receiving the most, 29,819 moved out.

Net across those counties: −6,346 households. Beside it, homes for sale in this ZIP: 95 in June 2026.

Most arrivals came from Snohomish, WA (7,334 households); most departures went to Snohomish, WA (10,534).

County assessor records list 317 properties with a market value here. Their average assessed market value is $803,400; the typical home value is $666,156.

The assessor average sits +20.6% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in King County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 23,473 moved in. Among the ten receiving the most, 29,819 moved out.

Net across those counties: −6,346 households. Beside it, homes for sale in this ZIP: 158 in June 2026.

Most arrivals came from Snohomish, WA (7,334 households); most departures went to Snohomish, WA (10,534).

County assessor records list 108 properties with a market value here. Their average assessed market value is $1,834,500; the typical home value is $661,786.

The assessor average sits +177.2% from the market figure — an average against a typical value, so treat it as a check, not a verdict.