Housing data for Cottage Lake, WA
Cottage Lake, WA has an estimated 22,518 residents and 8,040 homes (US Census Bureau, 2020–2024 American Community Survey).
It is an unincorporated community in King County.
8.9% of households rent.
The median gross rent is $2,740 a month.
Figures last updated on .
- Residents
- 22,518 (±1,434)
- Housing units
- 8,040 (±442)
- Households that rent
- 8.9%
- Median gross rent
- $2,740
- Residents since 2015–2019
- −0.7%
What stands out in Cottage Lake
Households that rent: 8.9% (±2.8 points) in Cottage Lake, lower than in King County (44.6%).
Median household income: $213,106 (±$21,420) in Cottage Lake, higher than in King County ($124,746).
Homes in buildings of 5 or more units: 0.4% (±0.8 points) in Cottage Lake, lower than in King County (37.6%).
Households without a vehicle: 0.9% (±0.6 points) in Cottage Lake, lower than in King County (11.2%).
- Renters and owners in Cottage Lake
- Income and affordability in Cottage Lake
- Types of homes in Cottage Lake
- Commute and cars in Cottage Lake
Housing in Cottage Lake at a glance
- Median rent: $2,740 median gross rent a month
- Rent burden: 53.0% of renters pay 30% or more of income
- Renters and owners: 8.9% of households rent
- Income and affordability: $213,106 median household income
- Home values: $1,230,700 median home value
- Homeowner costs: $3,744 median monthly cost with a mortgage
- Property taxes: $10,000 or more median real estate taxes a year
- Types of homes: 0.4% of homes are in buildings of 5 or more units
- Bedrooms: 97.6% of homes have 3 or more bedrooms (Small sample: wide margin of error)
- Age of homes: 33.9% of homes were built before 1980
- Vacancy rate: 0.0% rental vacancy rate (Small sample: wide margin of error)
- Heating fuel: 74.2% heat with utility gas
- Commute and cars: 25.9 minutes average trip to work
- Growth: −0.7% residents since 2015–2019
- How long people stay: 15.6% moved in since 2020
- Crowding and facilities: 1.1% of homes have more than 1 person per room
- Fair Market Rent: $3,120 Small Area FMR, 2 bedrooms (ZIP 98077)
Cottage Lake against King County, its state and the nation
| Cottage Lake | King County | Washington | United States | |
|---|---|---|---|---|
| Residents | 22,518 (±1,434) | 2,287,171 (exact) | 7,816,116 (exact) | 334,922,499 |
| Housing units | 8,040 (±442) | 1,003,284 (±329) | 3,306,620 (±517) | 143,775,355 |
| Households that rent | 8.9% (±2.8 points) | 44.6% (±0.4 points) | 36.2% (±0.3 points) | 34.8% |
| Median gross rent | $2,740 (±$212) | $2,092 (±$13) | $1,760 (±$7) | $1,413 |
| Median household income | $213,106 (±$21,420) | $124,746 (±$968) | $98,141 (±$414) | $80,734 |
| Median home value | $1,230,700 (±$48,099) | $859,900 (±$4,853) | $564,600 (±$1,940) | $332,700 |
| Median real estate taxes (a year) | $10,000 or more | $7,114 (±$40) | $4,556 (±$16) | $3,119 |
| Built before 1980 | 33.9% (±4.6 points) | 45.5% (±0.5 points) | 43.4% (±0.3 points) | 49.7% |
| Average commute | 25.9 minutes (±1.5) | 27.6 minutes (±0.2) | 26.6 minutes (±0.1) | 26.4 minutes |
| Households with broadband | 98.8% (±0.9 points) | 95.1% (±0.2 points) | 93.6% (±0.1 points) | 91.0% |
| Median age of residents | 44.2 years (±1.6) | 37.4 years (±0.2) | 38.3 years (±0.1) | 38.9 years |
Cottage Lake covers 22.7 square miles of land, about 990 residents per square mile (Census Bureau Gazetteer).
How Cottage Lake has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 22,677 (±763) | 22,518 (±1,434) | −0.7% | Not a measurable change |
| Housing units | 8,123 (±210) | 8,040 (±442) | −1.0% | Not a measurable change |
| Median gross rent | $1,992 (±$266) | $2,740 (±$212) | +37.6% | No measurable change after inflation |
| Median home value | $798,200 (±$19,387) | $1,230,700 (±$48,099) | +54.2% | Up after inflation |
| Median household income | $161,233 (±$9,399) | $213,106 (±$21,420) | +32.2% | No measurable change after inflation |
| Median owner cost with a mortgage | $3,214 (±$138) | $3,744 (±$232) | +16.5% | No measurable change after inflation |
| Households that rent | 8.0% (±2.4 points) | 8.9% (±2.8 points) | +0.9 percentage points | Not a measurable change |
| Rental vacancy rate | 0.0% (±5.5 points) | 0.0% (±5.4 points) | 0.0 percentage points | Not a measurable change |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in King County
Cottage Lake has no police department of its own in the FBI’s figures, so this is the figure for King County as a whole.
In 2025, the police departments that report for King County recorded 350 violent and 2,711 property crimes per 100,000 residents.
A county-wide figure describes the whole county, not this place; crime varies from one community to the next.
ZIP codes in Cottage Lake
| ZIP code | Share of the ZIP’s land in this place | Residents | Median gross rent | Median home value | Median household income |
|---|---|---|---|---|---|
| 98077 | 73% | 14,109 | $2,697 | $1,206,400 | $184,306 |
| 98072 | 41% | 24,446 | $2,418 | $1,122,200 | $175,805 |
A ZIP code is a mail route rather than a boundary, so the Census Bureau publishes figures for ZIP Code Tabulation Areas built from census blocks; the share column says how much of each one’s land lies in this place.
Places near Cottage Lake
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Woodinville | 3.4 mi | $2,416 | $1,100,100 | 42.7% |
| Maltby | 4.1 mi | $2,158 | $1,002,100 | 9.5% |
| High Bridge | 4.4 mi | — | $963,700 | 6.5% |
| Duvall | 4.9 mi | $2,042 | $830,100 | 13.6% |
| Redmond | 5.1 mi | $2,409 | $1,167,800 | 56.8% |
| Union Hill-Novelty Hill | 5.1 mi | $2,556 | $1,218,500 | 16.5% |
| Bothell | 6.2 mi | $2,346 | $925,100 | 34.5% |
| Bothell East | 6.5 mi | $2,406 | $1,131,600 | 40.7% |
Places in Washington most like Cottage Lake
| Place | Median gross rent | Median home value | Median household income | Households that rent |
|---|---|---|---|---|
| Maltby | $2,158 | $1,002,100 | $185,457 | 9.5% |
| Clearview | $2,357 | $892,000 | $192,540 | 18.9% |
| Meadowdale | $3,038 | $852,400 | $173,902 | 9.5% |
| Rosedale | $2,875 | $887,600 | $158,800 | 7.0% |
| Snoqualmie | $2,938 | $977,200 | $214,107 | 14.9% |
| Bunk Foss | $2,705 | $831,000 | $155,201 | 8.0% |
Matched on rent, home value, income, the share who rent, the age of the homes, the share in apartment buildings and the commute, each measured against the spread across Washington.
HUD Fair Market Rent for Cottage Lake, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $2,091 | $2,180 | $2,549 | $3,324 | $3,954 |
HUD also publishes a Small Area Fair Market Rent for each ZIP code in the area; the Fair Market Rent page for this place lists its ZIP codes.
HUD income limits for Cottage Lake, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $34,550 | $57,550 | $81,700 |
| 2 people | $39,450 | $65,800 | $93,350 |
| 3 people | $44,400 | $74,000 | $105,000 |
| 4 people | $49,300 | $82,200 | $116,650 |
| 5 people | $53,250 | $88,800 | $126,000 |
| 6 people | $57,200 | $95,400 | $135,350 |
| 7 people | $61,150 | $101,950 | $144,650 |
| 8 people | $65,100 | $108,550 | $154,000 |
These are the limits HUD sets for its housing programs in the Seattle-Bellevue, WA HUD Metro FMR Area, where HUD’s median family income for fiscal year 2026 is $164,400.
A program can use its own limits; tax-credit and local programs often do.
Cottage Lake is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Cottage Lake
What is the average rent in Cottage Lake, WA?
The Census Bureau publishes the median rather than the average: the median gross rent in Cottage Lake is $2,740 (±$212) a month (2020–2024 American Community Survey), so half of renting households pay less and half pay more.
Are renters in Cottage Lake rent-burdened?
53.0% of renting households in Cottage Lake pay 30% or more of their income in gross rent, the share housing researchers usually call rent-burdened (2020–2024 American Community Survey).
How many renters are there in Cottage Lake?
Cottage Lake has an estimated 690 (±223) renting households, 8.9% of its occupied homes (2020–2024 American Community Survey).
What is the median household income in Cottage Lake?
The median household income in Cottage Lake is $213,106 (±$21,420) a year (2020–2024 American Community Survey).
What is the average home value in Cottage Lake, WA?
The Census Bureau publishes the median: $1,230,700 (±$48,099) for owner-occupied homes in Cottage Lake (2020–2024 American Community Survey).
What is the average mortgage payment in Cottage Lake?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Cottage Lake, WA is $3,744 (±$232) a month, including taxes, insurance and utilities.
Is Cottage Lake growing?
In Cottage Lake, the number of residents went from 22,677 in 2015–2019 to 22,518 in 2020–2024 (−0.7%), not a measurable change.
What ZIP codes are in Cottage Lake?
The ZIP codes that cover Cottage Lake are 98077, 98072.
What is the median rent in ZIP code 98077?
The median gross rent in ZIP Code Tabulation Area 98077 is $2,697 (±$234) a month (2020–2024 American Community Survey).
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Cottage Lake CDP, Washington
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Cottage Lake CDP, Washington
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Cottage Lake CDP, Washington
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Cottage Lake CDP, Washington
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Cottage Lake CDP, Washington
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Cottage Lake CDP, Washington
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Cottage Lake CDP, Washington
- HUD Fair Market Rents, fiscal year 2027: Seattle-Bellevue, WA HUD Metro FMR Area
- HUD Small Area Fair Market Rents, fiscal year 2027
- HUD Income Limits, fiscal year 2026: Seattle-Bellevue, WA HUD Metro FMR Area
- US Census Bureau, American Community Survey 2020–2024 5-year estimates for ZIP Code Tabulation Areas
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for Cottage Lake CDP, Washington (place:14940, in state:53).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .