In Kirkland, a typical home is worth $1,115,400 and typical rent is $2,401 a month. Compared with all of King County, the typical home value is 30% higher, typical household income is 21% higher, and the share of households that own their home is 5 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $1,004,807 to $1,154,450.
Typical rent
$2,619a month
▲ 3.5% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,200 to $2,619.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Kirkland is in King 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 King County. See the county
What this place has that others do not, from public data, most unusual first.
1
Kirkland has the 10th highest typical home value of the 191 cities in Washington with more than 5,000 people ($1,115,400).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Kirkland fell 5.6%; in Washington, it fell 0.5%.
3
Nearby, in Kenmore, the typical rent is $1,949: 19% less than in Kirkland ($2,401).
4
Nearby, in Kenmore, the typical home value is $920,800: 17% less than in Kirkland ($1,115,400).
5
The typical household income in Kirkland is $150,414,21% more than in King County as a whole ($124,746).
6
61% of households in Kirkland own their home, against 55% in King County.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Kirkland
What homes there are in Kirkland, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Kirkland
King County
Washington
United States
Kind of home: Kirkland and its comparisons
Measure
Kirkland
King County
Washington
United States
Detached house
54%
50%
62%
61%
Attached house
5%
5%
4%
6%
Building of 2 to 4
5%
5%
6%
8%
Apartments (5 or more)
36%
38%
22%
19%
Mobile home
Unreliable estimate
1%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Kirkland, 5 in 10 homes are single-family detached houses; in King County, 5.
Year built
Before 19601960–19791980–19992000–20092010 or later
Kirkland
King County
Washington
United States
Year built: Kirkland and its comparisons
Measure
Kirkland
King County
Washington
United States
Before 1960
6%
23%
21%
26%
1960–1979
37%
23%
23%
24%
1980–1999
31%
25%
27%
25%
2000–2009
13%
13%
15%
14%
2010 or later
13%
16%
14%
11%
In Kirkland, half of the homes were built before 1984; in King County, before 1983.
Homes in Kirkland are bigger: 55% have 3 bedrooms or more; in King County, 50%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K1%
$100K–$200KUnreliable
$200K–$300K1%
$300K–$500K6%
$500K–$750K10%
$750K–$1M21%
$1M or more60%
Value of owner-occupied homes: Kirkland and its comparisons
Measure
Kirkland
Under $100K
1%
$100K–$200K
Unreliable estimate
$200K–$300K
1%
$300K–$500K
6%
$500K–$750K
10%
$750K–$1M
21%
$1M or more
60%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9992%
$1,000–$1,4996%
$1,500–$1,99914%
$2,000–$2,49930%
$2,500–$2,99920%
$3,000 or more24%
Monthly rent with utilities: Kirkland and its comparisons
Measure
Kirkland
Under $500
Unreliable estimate
$500–$999
2%
$1,000–$1,499
6%
$1,500–$1,999
14%
$2,000–$2,499
30%
$2,500–$2,999
20%
$3,000 or more
24%
With a mortgage
$3,632 a month
King County: $3,273 a month
Without a mortgage
$1,195 a month
King County: $1,116 a month
Owners with a mortgage
69%
King County: 70%
Owning costs more in Kirkland: with a mortgage, the typical cost is $3,632 a month; in King County, $3,273. Without one, $1,195.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Kirkland+68%
King County+57%
Washington+67%
United States+53%
Typical rent
Kirkland+29%
King County+30%
Washington+40%
United States+33%
Typical household income
Kirkland+28%
King County+31%
Washington+33%
United States+29%
Change since 2015–2019: Kirkland and its comparisons
Measure
Kirkland
King County
Washington
United States
Typical home value
+68%
+57%
+67%
+53%
Typical rent
+29%
+30%
+40%
+33%
Typical household income
+28%
+31%
+33%
+29%
From 2015–2019 to 2020–2024, the typical home value in Kirkland rose 68%; in King County, it rose 57%.
Much as in King County, the typical rent in Kirkland rose 29% since 2015–2019.
To compare: typical income in Kirkland rose 28%; the home, +68%; the rent, +29%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Kirkland and its comparisons
Measure
Kirkland
King County
Washington
United States
Rental vacancy
4.5%
5.3%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.7%
0.9%
More than one person per room
2.6%
3.9%
3.5%
3.4%
People per household
2.35
2.39
2.50
2.53
Drive alone
53%
50%
63%
69%
Carpool
5%
7%
9%
9%
Public transit
4%
7%
3%
3%
Walk or bike
3%
5%
4%
3%
Work from home
34%
29%
20%
15%
Other means
1%
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Open rentals in Kirkland look like those in King County: the rental vacancy rate is 4.5%.
Fewer households are short on space in Kirkland: 2.6% have more than one person per room; in King County, 3.9%.
A household in Kirkland has 2.35 people on average, about the same as in King County (2.39).
Working from home is more common in Kirkland: 34%, against 29% in King County.
Do the math
What would you pay each month for a home in Kirkland?
A typical home costs more than the typical income allows
We start with a typical home in Kirkland, worth $1,115,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 74% of the typical household income in Kirkland, which is $150,414 a year. For that payment to be 28% of income, a household would need to earn about $395,398 a year. Note: at that price the loan is above the FHA limit for King County ($1,063,750), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of King County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Kirkland. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $39,039 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$9,226
at 7.18% · 30 years
Loan amount
$1,095,197
Total interest
$1,575,732
Paid off in
November 2056
Includes $18,836 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,510 a month
Tight
$3,510 to $4,512 a month
Hard
more than $4,512 a month
Your payment · 74%
Compared with the typical household income in Kirkland ($150,414 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$7,419
Property tax
$669
Home insurance
$465
FHA mortgage insurance (MIP)
$673
This loan is over the FHA limit
You'd borrow $1,076,361, but the FHA limit for a one-unit home in Kirkland is $1,063,750. You'd need a bigger down payment or a different loan.
You need at least $39,039 for the down payment, plus closing costs.
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.
Total monthly payment $9,226; principal and interest $7,419.
The city and its county
Kirkland and King County
Kirkland is in King 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).
Kirkland
Map of King County, Washington, with Kirkland marked. Around it, the neighboring counties.
Kirkland
King County
Other cities with a page
Kirkland's own numbers
Typical home value
$1,115,400
Typical monthly rent
$2,401
Typical yearly household income
$150,414
Households that own their home
61%
Effective property tax rate
0.72%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of King 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)
+37%
Homes in a high flood-risk zone
1%
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 King County.
A typical home in Kirkland is worth $1,115,400: 30% above the county and 98% above Washington. With the typical household income in Kirkland ($150,414 a year), a typical home costs 7.4 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.
Kirkland7.4 years
King6.9 years
Washington5.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in King County
According to FHFA’s house price index, home prices in King County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of King County.
Yearly change in FHFA’s price index in King County, 2016 to 2025
2016: +13.4% +13.4% 2016
2017: +12.7% +12.7% 2017
2018: +9.2% +9.2% 2018
2019: +1.8% +1.8% 2019
2020: +3.5% +3.5% 2020
2021: +11.3% +11.3% 2021
2022: +15.8% +15.8% 2022
2023: +0.2% +0.2% 2023
2024: +4.8% +4.8% 2024
2025: +0.9% +0.9% 2025
Change in FHFA’s price index in King County, Washington and the United States
Period
County
Washington
U.S.
Last year (2025)
+0.9%
+1.8%
+2.9%
5 years (2020–2025)
+37%
+44%
+47%
10 years (2015–2025)
+101%
+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
Kirkland next to King 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
Kirkland$1,115,400
King$859,900
Washington$564,600
United States$332,700
Typical monthly rent
Kirkland$2,401
King$2,092
Washington$1,760
United States$1,413
Typical yearly household income
Kirkland$150,414
King$124,746
Washington$98,141
United States$80,734
See the full table
Kirkland next to King County and Washington
Measure
Kirkland
King County
Washington
U.S.
Typical home value
$1,115,400 ▲30% above the county
$859,900
$564,600
$332,700
Typical monthly rent
$2,401 ▲15% above the county
$2,092
$1,760
$1,413
Typical yearly household income
$150,414 ▲21% above the county
$124,746
$98,141
$80,734
Households that own their home
61% ▲5 points above the county
55%
64%
65%
Typical yearly property tax
$8,001 ▲12% above the county
$7,114
$4,556
$3,119
Effective property tax rate
0.72% ▼0.11 points below the county
0.83%
0.81%
0.94%
Renters with high rent for their income
44% ▼3 points below the county
47%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below King 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 Kirkland
For a typical $1,115,400 home in Kirkland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kirkland's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$9,226a month
Above the FHA limit for King County ($1,063,750)
Down payment
$39,039
Cash to close
$72,501
Rate
7.18%
Mortgage insurance
FHA MIP · $673
Conventional, 5% down$8,842a month
Least cash to close
Down payment
$55,770
Cash to close
$89,232
Rate
7.18%
Mortgage insurance
PMI · $530
Conventional, 20% down, no PMI$7,179a month
Down payment
$223,080
Cash to close
$256,542
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$8,210a month
Down payment
$167,310
Cash to close
$200,772
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Kirkland
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for King County ($1,063,750)
$9,226
$39,039
$1,095,197
7.18%
FHA MIP · $673
$72,501
580
Conventional, 5% down Least cash to close
$8,842
$55,770
$1,059,630
7.18%
PMI · $530
$89,232
620*
Conventional, 20% down, no PMI
$7,179
$223,080
$892,320
7.18%
None
$256,542
620*
ITIN, 15% down (example)
$8,210
$167,310
$948,090
8.18%
None
$200,772
Set by the lender
The option that asks for the least cash to close is Conventional, 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.
Typical rent in Kirkland is $2,401 a month: 15% above the county. In Kirkland, 44% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of King 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in King County (Fiscal year 2027)
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 Kirkland
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kirkland has 2 ZIP codes with their own.
For 2 bedrooms it runs from $2,940 in 98034 to $3,330 in 98033.
2 of the 2 are above the fair market rent for King County ($2,549).
Fair market rent by ZIP code and size in Kirkland, fiscal year 2027.
98033
$2,730
$2,850
$3,330
$4,340
$5,170
98034
$2,410
$2,510
$2,940
$3,830
$4,560
ZIP code2 bd3 bd
98033 $3,330$4,340
98034 $2,940$3,830
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kirkland 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 6 buildings with rents for lower incomes in Kirkland. These are the largest.
Woodlands at Forbes Lake9224 Slater Ave NE, Kirkland 98033110 homes, 108 low-income · 1 bd: 86 · 2 bd: 24 · In service since 2005 · For older adults, people with disabilities
Athene12531 NE 124th St, Kirkland 9803491 low-income homes · Studio: 27 · 1 bd: 59 · 2 bd: 5 · In service since 2018 · For older adults, people experiencing homelessness
Casa Juanita9821 NE 122nd St, Kirkland 9803480 low-income homes · Run by Ha of King County · Average payment: $381 a month(206) 574-1100
Plum Court Family Apartments451 4th Ave S, Kirkland 9803366 homes, 60 low-income · 1 bd: 12 · 2 bd: 26 · 3 bd: 28 · In service since 2004 · For people with disabilities, families
Francis Village12601 NE 124th St, Kirkland 9803461 homes, 60 low-income · Studio: 8 · 1 bd: 32 · 2 bd: 20 · In service since 2011 · For people experiencing homelessness
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 are 4 HUD-approved agencies with an office in King County; 3 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Kirkland or King County. The ones below are statewide in Washington: they work in Kirkland the same as in the rest of the state.
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.
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.
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.
No legal help resource on our list is for Kirkland or King County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Kirkland and all of King 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 Kirkland?
The typical home value in Kirkland is $1,115,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in King County it is $859,900.
How much does it cost to rent in Kirkland?
Typical rent in Kirkland is $2,401 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in King County is $2,549.
What is the FHA loan limit in Kirkland?
Kirkland uses the FHA limit for all of King 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 Kirkland?
The typical homeowner in Kirkland pays $8,001 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in King County, the rate is 0.83%.
Where can I find free help to buy or rent in Kirkland?
There are 4 HUD-approved counseling agencies with an office in King County. 3 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
