In Sammamish, a typical home is worth $1,407,300 and typical rent is $2,857 a month. Compared with all of King County, typical household income is 92% higher, the typical home value is 64% higher, and the share of households that own their home is 27 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $1,279,575 to $1,489,177.
Typical rent
$3,350a month
▲ 3.6% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,706 to $3,350.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sammamish 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
Sammamish has the highest typical household income of the 194 cities in Washington with more than 5,000 people: $239,690.
2
Sammamish has the 2nd highest typical home value of the 191 cities in Washington with more than 5,000 people ($1,407,300).
3
83% of households in Sammamish own their home, against 55% in King County.
4
Sammamish has the 5th highest typical rent of the 190 cities in Washington with more than 5,000 people ($2,857).
5
Nearby, in Issaquah, the typical home value is $963,000: 32% less than in Sammamish ($1,407,300).
6
According to Zillow, in the 12 months to September 2026 the typical home value in Sammamish fell 5.6%; in Washington, it fell 0.5%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Sammamish
What homes there are in Sammamish, 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
Sammamish
King County
Washington
United States
Kind of home: Sammamish and its comparisons
Measure
Sammamish
King County
Washington
United States
Detached house
81%
50%
62%
61%
Attached house
4%
5%
4%
6%
Building of 2 to 4
3%
5%
6%
8%
Apartments (5 or more)
11%
38%
22%
19%
Mobile home
Unreliable estimate
1%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in Sammamish: 81% of homes, more than in King County (50%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Sammamish
King County
Washington
United States
Year built: Sammamish and its comparisons
Measure
Sammamish
King County
Washington
United States
Before 1960
2%
23%
21%
26%
1960–1979
12%
23%
23%
24%
1980–1999
54%
25%
27%
25%
2000–2009
21%
13%
15%
14%
2010 or later
13%
16%
14%
11%
The typical home in Sammamish was built in 1994, 11 years after the typical one in King County.
Homes in Sammamish are bigger: 86% 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 $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K3%
$500K–$750K5%
$750K–$1M13%
$1M or more78%
Value of owner-occupied homes: Sammamish and its comparisons
Measure
Sammamish
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
3%
$500K–$750K
5%
$750K–$1M
13%
$1M or more
78%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,9994%
$2,000–$2,49925%
$2,500–$2,99921%
$3,000 or more44%
Monthly rent with utilities: Sammamish and its comparisons
Measure
Sammamish
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
4%
$2,000–$2,499
25%
$2,500–$2,999
21%
$3,000 or more
44%
Without a mortgage
$1,477 a month
King County: $1,116 a month
Owners with a mortgage
75%
King County: 70%
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sammamish+70%
King County+57%
Washington+67%
United States+53%
Typical rent
Sammamish+19%
King County+30%
Washington+40%
United States+33%
Typical household income
Sammamish+38%
King County+31%
Washington+33%
United States+29%
Change since 2015–2019: Sammamish and its comparisons
Measure
Sammamish
King County
Washington
United States
Typical home value
+70%
+57%
+67%
+53%
Typical rent
+19%
+30%
+40%
+33%
Typical household income
+38%
+31%
+33%
+29%
From 2015–2019 to 2020–2024, the typical home value in Sammamish rose 70%; in King County, it rose 57%.
Since 2015–2019, the typical rent in Sammamish rose 19%, less than in King County (30%).
While home values in Sammamish changed +70% and rent +19%, the typical household income rose 38%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sammamish and its comparisons
Measure
Sammamish
King County
Washington
United States
Rental vacancy
Unreliable estimate
5.3%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.7%
0.9%
More than one person per room
1.4%
3.9%
3.5%
3.4%
People per household
3.00
2.39
2.50
2.53
Drive alone
51%
50%
63%
69%
Carpool
5%
7%
9%
9%
Public transit
3%
7%
3%
3%
Walk or bike
2%
5%
4%
3%
Work from home
39%
29%
20%
15%
Other means
2%
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 1.4% of households in Sammamish live, less than in King County (3.9%).
More people live in each home here: 3.00 on average, against 2.39 in King County.
In Sammamish, 39% of workers work from home, more than in King County (29%).
Do the math
What would you pay each month for a home in Sammamish?
A typical home costs more than the typical income allows
We start with a typical home in Sammamish, worth $1,407,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 58% of the typical household income in Sammamish, which is $239,690 a year. For that payment to be 28% of income, a household would need to earn about $498,372 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 Sammamish. 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 $49,256 (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
$11,629
at 7.18% · 30 years
Loan amount
$1,381,810
Total interest
$1,988,100
Paid off in
November 2056
Includes $23,766 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $5,593 a month
Tight
$5,593 to $7,191 a month
Hard
more than $7,191 a month
Your payment · 58%
Compared with the typical household income in Sammamish ($239,690 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$9,361
Property tax
$833
Home insurance
$586
FHA mortgage insurance (MIP)
$849
This loan is over the FHA limit
You'd borrow $1,358,044, but the FHA limit for a one-unit home in Sammamish is $1,063,750. You'd need a bigger down payment or a different loan.
You need at least $49,256 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 $11,629; principal and interest $9,361.
The city and its county
Sammamish and King County
Sammamish 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).
Sammamish
Map of King County, Washington, with Sammamish marked. Around it, the neighboring counties.
Sammamish
King County
Other cities with a page
Sammamish's own numbers
Typical home value
$1,407,300
Typical monthly rent
$2,857
Typical yearly household income
$239,690
Households that own their home
83%
Effective property tax rate
0.71%
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 Sammamish is worth $1,407,300: 64% above the county and 149% above Washington. With the typical household income in Sammamish ($239,690 a year), a typical home costs 5.9 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.
Sammamish5.9 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
Sammamish 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
Sammamish$1,407,300
King$859,900
Washington$564,600
United States$332,700
Typical monthly rent
Sammamish$2,857
King$2,092
Washington$1,760
United States$1,413
Typical yearly household income
Sammamish$239,690
King$124,746
Washington$98,141
United States$80,734
See the full table
Sammamish next to King County and Washington
Measure
Sammamish
King County
Washington
U.S.
Typical home value
$1,407,300 ▲64% above the county
$859,900
$564,600
$332,700
Typical monthly rent
$2,857 ▲37% above the county
$2,092
$1,760
$1,413
Typical yearly household income
$239,690 ▲92% above the county
$124,746
$98,141
$80,734
Households that own their home
83% ▲27 points above the county
55%
64%
65%
Typical yearly property tax
$10,001 ▲41% above the county
$7,114
$4,556
$3,119
Effective property tax rate
0.71% ▼0.12 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 Sammamish
For a typical $1,407,300 home in Sammamish, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sammamish's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$11,629a month
Above the FHA limit for King County ($1,063,750)
Down payment
$49,256
Cash to close
$91,475
Rate
7.18%
Mortgage insurance
FHA MIP · $849
Conventional, 5% down$11,144a month
Above the conventional limit for King County ($1,063,750): it would be a "jumbo" loan
Down payment
$70,365
Cash to close
$112,584
Rate
7.18%
Mortgage insurance
PMI · $668
Conventional, 20% down, no PMI$9,046a month
Above the conventional limit for King County ($1,063,750): it would be a "jumbo" loan
Down payment
$281,460
Cash to close
$323,679
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$10,347a month
Down payment
$211,095
Cash to close
$253,314
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sammamish
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)
$11,629
$49,256
$1,381,810
7.18%
FHA MIP · $849
$91,475
580
Conventional, 5% down Above the conventional limit for King County ($1,063,750): it would be a "jumbo" loan
$11,144
$70,365
$1,336,935
7.18%
PMI · $668
$112,584
620*
Conventional, 20% down, no PMI Above the conventional limit for King County ($1,063,750): it would be a "jumbo" loan
$9,046
$281,460
$1,125,840
7.18%
None
$323,679
620*
ITIN, 15% down (example)
$10,347
$211,095
$1,196,205
8.18%
None
$253,314
Set by the lender
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 Sammamish is $2,857 a month: 37% above the county. In Sammamish, 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 Sammamish
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sammamish has 2 ZIP codes with their own.
For 2 bedrooms it runs from $3,410 in 98074 to $3,820 in 98075.
2 of the 2 are above the fair market rent for King County ($2,549).
Fair market rent by ZIP code and size in Sammamish, fiscal year 2027.
98074
$2,800
$2,920
$3,410
$4,450
$5,290
98075
$3,130
$3,270
$3,820
$4,980
$5,930
ZIP code2 bd3 bd
98074 $3,410$4,450
98075 $3,820$4,980
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sammamish 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)
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 Sammamish or King County. The ones below are statewide in Washington: they work in Sammamish 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 Sammamish 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 Sammamish 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 Sammamish?
The typical home value in Sammamish is $1,407,300, 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 Sammamish?
Typical rent in Sammamish is $2,857 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 Sammamish?
Sammamish 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 Sammamish?
The typical homeowner in Sammamish pays $10,001 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in King County, the rate is 0.83%.
Where can I find free help to buy or rent in Sammamish?
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.
