ZIP 84098

84098 is one of 9 ZIP codes that lie mostly in Summit County, UT.

Shaded by typical home value, it ranks 2 of the 7 with a value.

11 school locations in 84098: 7 elementary, 2 middle, 2 high.

In alphabetical order: Ecker Hill Middle, Jeremy Ranch Preschool, Jeremy Ranch School, Mcpolin School, and more on the ZIP page. Locations only — no ratings are shown here.

In December 2006 the typical home in 84098 was worth $533,864.

Values peaked at $1,483,442 in June 2022. The latest reading is −6.8% from that peak.

As of August 2026: $1,382,166, +4.8% over twelve months.

Start with the typical home: $1,382,166. Put 20% down and borrow $1,105,733 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $7,656 a month in principal and interest.

The median household here earns $171,151 a year, $14,263 a month. So the payment takes 53.7% 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 20.7% in 2006.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in December 2006 (6.14%) the payment was $2,598.

In December 2020, with rates at 2.68%, it was $2,933.

By August 2026, at 6.67%, it was $7,111 — +142% since December 2020, while the home's value moved +53%.

Reported values rose +159% since December 2006.

General prices (CPI-U) rose +65% over the same span.

Divide one by the other: in August 2026 dollars, the 2006 home was worth $878,289. So the real change is +57%, not +159%.

84098: +159% since December 2006.

Summit County: +181% since December 2006.

Utah: +141% since December 2006 — 84098 ran ahead of it by 18 points.

Owning the typical home costs about $9,038 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,784 a month.

Price divided by a year's rent: 30.4. 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 116 a month (Redfin, 3-month rolling data through August 2026). That is 110% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 411. That is 92% of the 2015–2019 level for the same months.

Going out — closed sales: about 62 a month. That is 80% of the 2015–2019 level for the same months. The drain is drawn 13% narrower: the share of homes for sale that sell each month is 87% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.6 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 54 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 62 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 79 — so sales ran at 78% of it, and below it in 17 of the last 24 months.

Across Summit County, builders pulled permits for 563 new homes in 2025.

Of those, 59% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Summit County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 848 moved in. Among the ten receiving the most, 1,064 moved out.

Net across those counties: −216 households. Beside it, homes for sale in this ZIP: 411 in June 2026.

Most arrivals came from Salt Lake, UT (375 households); most departures went to Salt Lake, UT (514).

County assessor records list 5,572 properties with a market value here. Their average assessed market value is $2,623,208; the typical home value is $1,382,166.

The assessor average sits +89.8% from the market figure — an average against a typical value, so treat it as a check, not a verdict.