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Market Report · May 2026

ZIP 98020 — Edmonds

📍 Seattle Metro · Washington
78
🟡 WARM
Balanced market · 16 avg days on market
Property tax ~0.919%/yr
$720K
Median Price
16
Days on Market
$4,574
Est. Monthly PITI

Mortgage Breakdown — 98020

Median Home Price$720,000
20% Down Payment$144,000
Loan Amount$576,000
P&I at 6.7%$3,716/mo
Property Tax Est.$558/mo
Total PITI$4,574/mo
Income Needed (36% DTI)$152,466/yr
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Educational purposes only. Market data estimated from public sources. Not financial advice.

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The other half of the answer

Prices tell you what a house costs here. They do not tell you whether a lender will approve the loan — and that varies more than almost anyone realises.

24.4%
of FHA applications denied in Seattle-Bellevue-Everett, WA, 2025 · national 22.1%
MOVEMENT MORTGAGE, LLC
6.4%
United Wholesale Mortgage
26.2%
ROCKET MORTGAGE
33.0%

A 26.6-point spread between the busiest FHA lenders in this metro.

This market's lenders → Which lenders approve most → Apply to more than one? →

CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published for this market, not all lenders. Rates reflect applicant mix as well as lender practice — historical observations, not predictions. CC BY 4.0, not independently reproduced.

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One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.