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City · 42,735 residents · Snohomish County, Washington

Edmonds , Washington

In Edmonds, a typical home is worth $890,100 and typical rent is $1,903 a month. Compared with all of Snohomish County, the typical home value is 28% higher and typical household income is 10% higher.

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  • Typical home value

    $890,100

    28% above the county

    58% above Washington

    • Edmonds
    • Snohomish
    • Washington

  • Typical rent

    $1,903a month

    2% below the county

    8% above Washington

    • Edmonds
    • Snohomish
    • Washington

  • Typical household income

    $122,449a year

    10% above the county

    25% above Washington

    • Edmonds
    • Snohomish
    • Washington

  • Households that own their home

    71%

    3 points above the county

    7 points above Washington

    • Edmonds
    • Snohomish
    • Washington

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$898,647
0.6% less than 12 months ago
Typical rent
$2,278 a month
4.4% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Edmonds is in Snohomish County. The FHA loan limit ($1,063,750 for a one-unit home), the fair market rents and the help on this page are those of all of Snohomish County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Edmonds apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Mountlake Terrace, the typical home value is $667,300: 25% less than in Edmonds ($890,100).

  2. The typical home in Edmonds is worth $890,100, 28% more than in Snohomish County as a whole ($696,000).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Edmonds

What homes there are in Edmonds, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses are the majority in Edmonds (60%), but less so than in Snohomish County (64%).

Year built

In Edmonds, half of the homes were built before 1974; in Snohomish County, before 1990.

In Edmonds, 11% of homes have 1 bedroom or none (studios); 60% have 3 bedrooms or more, against 66% in Snohomish County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$3,053 a month

Snohomish County: $2,748 a month

Without a mortgage

$1,008 a month

Snohomish County: $864 a month

Owners with a mortgage

63%

Snohomish County: 72%

The typical cost for an owner with a mortgage in Edmonds is $3,053 a month, more than in Snohomish County ($2,748); without one, $1,008.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Edmonds rose 66% since 2015–2019, less than in Snohomish County (73%).

Rents in Edmonds rose more slowly than in Snohomish County: 30% since 2015–2019, against 36%.

To compare: typical income in Edmonds rose 37%; the home, +66%; the rent, +30%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureEdmondsSnohomish CountyWashingtonUnited States
Rental vacancy Unreliable estimate4.0%4.5%5.5%
Homeowner vacancy Unreliable estimate0.5%0.7%0.9%
More than one person per room 1.6%3.7%3.5%3.4%
People per household 2.272.642.502.53
Drive alone 61%65%63%69%
Carpool 5%9%9%9%
Public transit 4%3%3%3%
Walk or bike 2%2%4%3%
Work from home 28%20%20%15%
Other means 1%1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 1.6% of households in Edmonds live, less than in Snohomish County (3.7%).

Households in Edmonds are smaller: 2.27 people on average; in Snohomish County, 2.64.

In Edmonds, 28% of workers work from home, more than in Snohomish County (20%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Edmonds?

A typical home costs more than the typical income allows

We start with a typical home in Edmonds, worth $890,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 72% of the typical household income in Edmonds, which is $122,449 a year. For that payment to be 28% of income, a household would need to earn about $314,896 a year.

The calculator's FHA and conventional loan limits are those of all of Snohomish County.

Your numbers

Local data
$

Starts at the typical home value in Edmonds. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $31,154 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$7,348

at 7.18% · 30 years

Loan amount
$873,978
Total interest
$1,257,449
Paid off in
November 2056

Includes $15,032 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,857 a month

  • Tight

    $2,857 to $3,673 a month

  • Hard

    more than $3,673 a month

    Your payment · 72%

Compared with the typical household income in Edmonds ($122,449 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,348
Principal & interest$5,921
Property tax$519
Home insurance$371
FHA mortgage insurance (MIP)$537

You need at least $31,154 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Edmonds and Snohomish County

Edmonds is in Snohomish County, Washington. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Edmonds's own numbers

Typical home value
$890,100
Typical monthly rent
$1,903
Typical yearly household income
$122,449
Households that own their home
71%
Effective property tax rate
0.7%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Snohomish County

FHA limit, one-unit home
$1,063,750
Conventional limit, one unit
$1,063,750
HUD fair market rent, 2 bedrooms
$2,549
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
1.9%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Snohomish County.

Everything about Snohomish County

Buying

Buying a home in Edmonds

A typical home in Edmonds is worth $890,100: 28% above the county and 58% above Washington. With the typical household income in Edmonds ($122,449 a year), a typical home costs 7.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Edmonds 7.3 years
  • Snohomish 6.3 years
  • Washington 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Snohomish County

According to FHFA’s house price index, home prices in Snohomish County rose 128% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Snohomish County.

Period County Washington U.S.
Last year (2025) +1.3% +1.8% +2.9%
5 years (2020–2025) +51% +44% +47%
10 years (2015–2025) +128% +113% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Edmonds next to Snohomish County, Washington and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Edmonds $890,100
  • Snohomish $696,000
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Edmonds $1,903
  • Snohomish $1,949
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Edmonds $122,449
  • Snohomish $111,246
  • Washington $98,141
  • United States $80,734
See the full table
Edmonds next to Snohomish County and Washington
Measure Edmonds Snohomish County Washington U.S.
Typical home value $890,100 $696,000 $564,600 $332,700
Typical monthly rent $1,903 $1,949 $1,760 $1,413
Typical yearly household income $122,449 $111,246 $98,141 $80,734
Households that own their home 71% 68% 64% 65%
Typical yearly property tax $6,190 $5,364 $4,556 $3,119
Effective property tax rate 0.7% 0.77% 0.81% 0.94%
Renters with high rent for their income 45% 54% 50% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Snohomish County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Edmonds

For a typical $890,100 home in Edmonds, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Edmonds's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,348a month

    Least cash to close
    Down payment
    $31,154
    Cash to close
    $57,857
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $537

  • Conventional, 5% down $7,041a month

    Down payment
    $44,505
    Cash to close
    $71,208
    Rate
    7.18%
    Mortgage insurance
    PMI · $423

  • Conventional, 20% down, no PMI $5,714a month

    Down payment
    $178,020
    Cash to close
    $204,723
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,537a month

    Down payment
    $133,515
    Cash to close
    $160,218
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Edmonds and for Snohomish County.

Property tax

Effective rate in Edmonds

0.7%of the home’s value each year

$6,190 a year for the typical owner in Edmonds.

  • Edmonds 0.7%
  • Snohomish 0.77%
  • Washington 0.81%

What Washington publishes Exemption for people 61 and older or with disabilities (Washington State Department of Revenue)

Exemptions and deadlines in Washington

Flood risk in Snohomish County

FEMA does not publish these numbers by city: they are for all of Snohomish County.

Homes in the high-risk zone
1.9%
5,101
Of those, with NFIP insurance
27%
County Washington U.S.
Homes in the high-risk zone 1.9% 1.6% 3.5%
Of those, with NFIP insurance 27% 40% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Edmonds

Typical rent in Edmonds is $1,903 a month: 2% below the county. In Edmonds, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Snohomish County, by unit size. To pay the 2-bedroom one ($2,549 a month) without spending more than 30% of your income, you would need to earn $49.02 an hour working full time.

HUD fair market rent for all of Snohomish County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,091 $40.21 $83,640
1 bedroom $2,180 $41.92 $87,200
2 bedrooms $2,549 $49.02 $101,960
3 bedrooms $3,324 $63.92 $132,960
4 bedrooms $3,954 $76.04 $158,160

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Edmonds

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Edmonds has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,370 in 98026 to $2,410 in 98020.

None is above the fair market rent for Snohomish County ($2,549).

  • 98020 $2,410$3,140
  • 98026 $2,370$3,090

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Edmonds when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Edmonds

HUD lists 2 buildings with rents for lower incomes in Edmonds. These are the largest.

  • Ballinger Court Apartments 22707 76th Ave W, Edmonds 98026 94 homes, 92 low-income · 1 bd: 59 · 2 bd: 35 · In service since 2006 · For older adults, people with disabilities
  • Olympic View + Sound View Apartments 303 Howell Way, Edmonds 98020 88 homes, 86 low-income · 1 bd: 86 · 2 bd: 2 · In service since 2008

See all 127 buildings in Snohomish County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Edmonds

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Snohomish County; 1 says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Edmonds

No down payment, repair or rent-help program on our list is for Edmonds or Snohomish County. The ones below are statewide in Washington: they work in Edmonds the same as in the rest of the state.

Which programs do I qualify for? All programs in Washington

  • Home Advantage Downpayment Assistance

    Statewide in Washington

    Washington state commission 0% second mortgage for 3%, 4% or 5% of the first mortgage, with no monthly payments; you do not need to be a first-time buyer. Offered by Washington State Housing Finance Commission.

    Deferred

    See the program Official page

  • Covenant Homeownership Program

    Statewide in Washington

    Washington state commission loan with no monthly payments of up to 20% of the price (maximum $150,000) plus closing costs, for first-time buyers whose family lived in Washington before 1968 and belonged to a group affected by housing discrimination, including Hispanic people. Offered by Washington State Housing Finance Commission.

    Deferred

    See the program Official page

  • House Key Opportunity DPA

    Statewide in Washington

    Washington state commission loan of up to $15,000 at 1% simple interest, with no monthly payments, for the down payment and closing costs of first-time buyers with the House Key Opportunity mortgage. Offered by Washington State Housing Finance Commission.

    Deferred

    See the program Official page

Housing counselors near Edmonds

The HUD-approved agencies closest to the center of Edmonds, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Parkview Services

    4720 200th St SW Ste 200, Lynnwood · 3 miles away · Spanish

    Also serves in Cantonese, Mandarin Chinese, and other languages.

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (206) 542-6644

  • Urban League of Metropolitan Seattle

    105 14th Ave Ste 200, Seattle · 15 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (206) 461-3792

  • Credit.org - Seattle Branch

    450 Alaskan Way S, Seattle · 15 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (800) 431-8157

Every agency in Snohomish County All counseling agencies in Washington

Help in Spanish near Edmonds

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Edmonds

HUD’s record names them for Edmonds or Snohomish County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of Snohomish County Public housing and Section 8 vouchers (425) 290-8499

One other authority has an office in Snohomish County: see the list Source: HUD

Cities

Other cities in Snohomish County

These cities are also in Snohomish County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Snohomish County Housing in Washington
See 14 more cities in Snohomish County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Edmonds, with the typical home value.

Neighboring counties

If Snohomish County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Edmonds.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Edmonds

Short answers with the numbers for Edmonds and all of Snohomish County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Edmonds?

The typical home value in Edmonds is $890,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Snohomish County it is $696,000.

How much does it cost to rent in Edmonds?

Typical rent in Edmonds is $1,903 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Snohomish County is $2,549.

What is the FHA loan limit in Edmonds?

Edmonds uses the FHA limit for all of Snohomish County (2026): $1,063,750 for a one-unit home and $2,045,700 for a four-unit home.

How much property tax do owners pay in Edmonds?

The typical homeowner in Edmonds pays $6,190 a year, according to the U.S. Census Bureau. That is 0.7% of the home’s value; in Snohomish County, the rate is 0.77%.

Where can I find free help to buy or rent in Edmonds?

There is 1 HUD-approved counseling agency with an office in Snohomish County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).