ZIP 98070 vs ZIP 98107

98070 is one of 86 ZIP codes that lie mostly in King County, WA.

Shaded by typical home value, it ranks 6 of the 36 nearby ZIPs shown.

5 school locations in 98070: 1 elementary, 1 middle, 3 high.

In alphabetical order: Chautauqua Elementary, McMurray Middle School, Student Link, Vashon Island High School, and more on the ZIP page. Locations only — no ratings are shown here.

98107 is one of 86 ZIP codes that lie mostly in King County, WA.

Shaded by typical home value, it ranks 18 of the 36 nearby ZIPs shown.

2 school locations in 98107: 2 elementary.

In alphabetical order: Adams Elementary School, West Woodland Elementary School. Locations only — no ratings are shown here.

In January 2000 the typical home in 98070 was worth $265,788.

Values peaked at $966,093 in June 2022. The latest reading is −8.3% from that peak.

As of August 2026: $885,689, −2.1% over twelve months.

Start with the typical home: $885,689. Put 20% down and borrow $708,551 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,906 a month in principal and interest.

The median household here earns $115,750 a year, $9,646 a month. So the payment takes 50.9% 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 15.3% 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 $1,591.

In December 2020, with rates at 2.68%, it was $2,357.

By August 2026, at 6.67%, it was $4,557 — +93% since December 2020, while the home's value moved +22%.

Reported values rose +233% 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 $524,560. So the real change is +69%, not +233%.

98070: +233% since January 2000.

King County: +235% since January 2000.

Washington: +236% since January 2000 — 98070 ran behind it by 3 points.

Against 581 Washington ZIP codes, 98070 sits at the 17th percentile for affordability (price vs local income).

14th for appreciation (recent value growth); 45th for rental yield (rent vs price).

Owning the typical home costs about $5,792 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,967 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 98107 was worth $264,483.

Values peaked at $957,639 in June 2022. The latest reading is −13.3% from that peak.

As of August 2026: $830,412, −2.4% over twelve months.

Start with the typical home: $830,412. Put 20% down and borrow $664,330 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,600 a month in principal and interest.

The median household here earns $137,748 a year, $11,479 a month. So the payment takes 40.1% 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 12.8% 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 $1,584.

In December 2020, with rates at 2.68%, it was $2,583.

By August 2026, at 6.67%, it was $4,272 — +65% since December 2020, while the home's value moved +4%.

Reported values rose +214% 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 $521,984. So the real change is +59%, not +214%.

98107: +214% since January 2000.

King County: +235% since January 2000.

Washington: +236% since January 2000 — 98107 ran behind it by 22 points.

Against 581 Washington ZIP codes, 98107 sits at the 44th percentile for affordability (price vs local income).

11th for appreciation (recent value growth); 32nd for rental yield (rent vs price).

Owning the typical home costs about $5,430 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,335 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.

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 17 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 38.

Going out — closed sales: about 14 a month. The drain is drawn 29% narrower: the share of homes for sale that sell each month is 71% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.8 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 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 14 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 18 — so sales ran at 78% of it, and below it in 19 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 46 a month (Redfin, 3-month rolling data through August 2026). That is 95% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 120.

Going out — closed sales: about 24 a month. That is 51% of the 2015–2019 level for the same months. The drain is drawn 77% narrower: the share of homes for sale that sell each month is 23% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.9 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 22 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 24 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 49 — so sales ran at 49% 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: 38 in June 2026.

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

County assessor records list 152 properties with a market value here. Their average assessed market value is $500,800; the typical home value is $885,689.

The assessor average sits −43.5% 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: 120 in June 2026.

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

County assessor records list 748 properties with a market value here. Their average assessed market value is $2,071,250; the typical home value is $830,412.

The assessor average sits +149.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.