In Shoreline, a typical home is worth $811,100 and typical rent is $1,985 a month. Compared with all of King County, typical household income is 10% lower, the typical home value is 6% lower, and the share of households that own their home is 11 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $716,531 to $772,801.
Typical rent
$1,971a month
▲ 1.5% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,688 to $1,971.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Shoreline 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
Nearby, in Mountlake Terrace, the typical home value is $667,300: 18% less than in Shoreline ($811,100).
2
66% of households in Shoreline own their home, against 55% in King County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Shoreline
What homes there are in Shoreline, 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
Shoreline
King County
Washington
United States
Kind of home: Shoreline and its comparisons
Measure
Shoreline
King County
Washington
United States
Detached house
63%
50%
62%
61%
Attached house
6%
5%
4%
6%
Building of 2 to 4
4%
5%
6%
8%
Apartments (5 or more)
27%
38%
22%
19%
Mobile home
Unreliable estimate
1%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Shoreline, 6 in 10 homes are single-family detached houses; in King County, 5.
Year built
Before 19601960–19791980–19992000–20092010 or later
Shoreline
King County
Washington
United States
Year built: Shoreline and its comparisons
Measure
Shoreline
King County
Washington
United States
Before 1960
35%
23%
21%
26%
1960–1979
31%
23%
23%
24%
1980–1999
17%
25%
27%
25%
2000–2009
6%
13%
15%
14%
2010 or later
12%
16%
14%
11%
The typical home in Shoreline was built in 1969, 14 years before the typical one in King County.
Homes in Shoreline are bigger: 60% 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–$300K2%
$300K–$500K9%
$500K–$750K29%
$750K–$1M34%
$1M or more24%
Value of owner-occupied homes: Shoreline and its comparisons
Measure
Shoreline
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
2%
$300K–$500K
9%
$500K–$750K
29%
$750K–$1M
34%
$1M or more
24%
Monthly rent with utilities
Under the limitOver the limit
Under $5007%
$500–$9995%
$1,000–$1,49913%
$1,500–$1,99926%
$2,000–$2,49925%
$2,500–$2,99911%
HUD fair market rent, 2 bedrooms: $2,549
$3,000 or more13%
Monthly rent with utilities: Shoreline and its comparisons
Measure
Shoreline
Under $500
7%
$500–$999
5%
$1,000–$1,499
13%
$1,500–$1,999
26%
$2,000–$2,499
25%
$2,500–$2,999
11%
$3,000 or more
13%
HUD's 2-bedroom fair market rent (FMR) for King County is $2,549; about 77% of rents in Shoreline are below it.
With a mortgage
$3,198 a month
King County: $3,273 a month
Without a mortgage
$1,090 a month
King County: $1,116 a month
Owners with a mortgage
70%
King County: 70%
In Shoreline, 70% of owners have a mortgage; their typical cost is $3,198 a month, about the same as in King County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Shoreline+56%
King County+57%
Washington+67%
United States+53%
Typical rent
Shoreline+26%
King County+30%
Washington+40%
United States+33%
Typical household income
Shoreline+30%
King County+31%
Washington+33%
United States+29%
Change since 2015–2019: Shoreline and its comparisons
Measure
Shoreline
King County
Washington
United States
Typical home value
+56%
+57%
+67%
+53%
Typical rent
+26%
+30%
+40%
+33%
Typical household income
+30%
+31%
+33%
+29%
Much as in King County, the typical home value in Shoreline rose 56% since 2015–2019.
The typical rent in Shoreline rose 26% over the same time; in King County, it rose 30%.
The typical household income in Shoreline rose 30% over that time; home values changed +56% and rent +26%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Shoreline and its comparisons
Measure
Shoreline
King County
Washington
United States
Rental vacancy
4.8%
5.3%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.7%
0.9%
More than one person per room
2.4%
3.9%
3.5%
3.4%
People per household
2.44
2.39
2.50
2.53
Drive alone
57%
50%
63%
69%
Carpool
8%
7%
9%
9%
Public transit
6%
7%
3%
3%
Walk or bike
3%
5%
4%
3%
Work from home
26%
29%
20%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Shoreline, the rental vacancy rate is 4.8%, about the same as in King County.
More than one person per room: that is how 2.4% of households in Shoreline live, less than in King County (3.9%).
Much as in King County, a household in Shoreline has 2.44 people on average.
To get to work, 57% of workers in Shoreline drive alone; in King County, 50%.
Do the math
What would you pay each month for a home in Shoreline?
A typical home costs more than the typical income allows
We start with a typical home in Shoreline, worth $811,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 71% of the typical household income in Shoreline, which is $112,751 a year. For that payment to be 28% of income, a household would need to earn about $286,281 a year.
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 Shoreline. 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 $28,389 (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
$6,680
at 7.18% · 30 years
Loan amount
$796,408
Total interest
$1,145,845
Paid off in
November 2056
Includes $13,697 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,631 a month
Tight
$2,631 to $3,383 a month
Hard
more than $3,383 a month
Your payment · 71%
Compared with the typical household income in Shoreline ($112,751 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,395
Property tax
$588
Home insurance
$338
FHA mortgage insurance (MIP)
$359
You need at least $28,389 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 $6,680; principal and interest $5,395.
The city and its county
Shoreline and King County
Shoreline 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).
Shoreline
Map of King County, Washington, with Shoreline marked. Around it, the neighboring counties.
Shoreline
King County
Other cities with a page
Shoreline's own numbers
Typical home value
$811,100
Typical monthly rent
$1,985
Typical yearly household income
$112,751
Households that own their home
66%
Effective property tax rate
0.87%
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 Shoreline is worth $811,100: 6% below the county and 44% above Washington. With the typical household income in Shoreline ($112,751 a year), a typical home costs 7.2 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.
Shoreline7.2 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
Shoreline 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
Shoreline$811,100
King$859,900
Washington$564,600
United States$332,700
Typical monthly rent
Shoreline$1,985
King$2,092
Washington$1,760
United States$1,413
Typical yearly household income
Shoreline$112,751
King$124,746
Washington$98,141
United States$80,734
See the full table
Shoreline next to King County and Washington
Measure
Shoreline
King County
Washington
U.S.
Typical home value
$811,100 ▼6% below the county
$859,900
$564,600
$332,700
Typical monthly rent
$1,985 ▼5% below the county
$2,092
$1,760
$1,413
Typical yearly household income
$112,751 ▼10% below the county
$124,746
$98,141
$80,734
Households that own their home
66% ▲11 points above the county
55%
64%
65%
Typical yearly property tax
$7,083
$7,114
$4,556
$3,119
Effective property tax rate
0.87% ▲0.04 points above the county
0.83%
0.81%
0.94%
Renters with high rent for their income
56% ▲9 points above 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 Shoreline
For a typical $811,100 home in Shoreline, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Shoreline's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,680a month
Least cash to close
Down payment
$28,389
Cash to close
$52,722
Rate
7.18%
Mortgage insurance
FHA MIP · $359
Conventional, 5% down$6,531a month
Down payment
$40,555
Cash to close
$64,888
Rate
7.18%
Mortgage insurance
PMI · $385
Conventional, 20% down, no PMI$5,322a month
Down payment
$162,220
Cash to close
$186,553
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$6,072a month
Down payment
$121,665
Cash to close
$145,998
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Shoreline
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$6,680
$28,389
$796,409
7.18%
FHA MIP · $359
$52,722
580
Conventional, 5% down
$6,531
$40,555
$770,545
7.18%
PMI · $385
$64,888
620*
Conventional, 20% down, no PMI
$5,322
$162,220
$648,880
7.18%
None
$186,553
620*
ITIN, 15% down (example)
$6,072
$121,665
$689,435
8.18%
None
$145,998
Set by the lender
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.
Typical rent in Shoreline is $1,985 a month: 5% below the county. In Shoreline, 56% 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 Shoreline
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Shoreline has 3 ZIP codes with their own.
For 2 bedrooms it runs from $2,570 in 98155 to $2,740 in 98177.
3 of the 3 are above the fair market rent for King County ($2,549).
2-bedroom fair market rent in each of the 3 ZIP codes of Shoreline, beside the one for King County. For 2 bedrooms it runs from $2,570 in 98155 to $2,740 in 98177. 3 of the 3 are above the fair market rent for King County ($2,549).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $2,549
Lowest: $2,570 (98155)Highest: $2,740 (98177)
Fair market rent by ZIP code and size in Shoreline, fiscal year 2027.
98133
$2,120
$2,210
$2,580
$3,360
$4,000
98155
$2,110
$2,200
$2,570
$3,350
$3,990
98177
$2,250
$2,340
$2,740
$3,570
$4,250
ZIP code2 bd3 bd
98133 $2,580$3,360
98155 $2,570$3,350
98177 $2,740$3,570
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Shoreline 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 9 buildings with rents for lower incomes in Shoreline. These are the largest.
Blakely at Echo Lake1140 N 192nd St, Shoreline 98133200 homes, 199 low-income · Studio: 6 · 1 bd: 124 · 2 bd: 70 · In service since 2009 · For older adults, people with disabilities
Polaris Apartments17536 12th Ave NE, Shoreline 98155165 homes, 164 low-income · 1 bd: 20 · 2 bd: 85 · 3 bd: 60 · In service since 2014 · For people with disabilities, families
Northridge II1540 NE 177th St, Shoreline 98155140 low-income homes · Run by Ha of King County · Average payment: $375 a month(206) 574-1100
The Lake House18026 Midvale Ave N, Shoreline 98133140 low-income homes · Run by Ha of King County · Average payment: $364 a month(206) 574-1100
Ballinger Homes19926 Ballinger Way NE, Shoreline 98155140 homes, 139 low-income · Run by Ha of King County · Average payment: $628 a month(206) 574-1100
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 Shoreline or King County. The ones below are statewide in Washington: they work in Shoreline 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 Shoreline 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 Shoreline 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 Shoreline?
The typical home value in Shoreline is $811,100, 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 Shoreline?
Typical rent in Shoreline is $1,985 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 Shoreline?
Shoreline 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 Shoreline?
The typical homeowner in Shoreline pays $7,083 a year, according to the U.S. Census Bureau. That is 0.87% of the home’s value; in King County, the rate is 0.83%.
Where can I find free help to buy or rent in Shoreline?
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.
