How much do homeowners pay a month in Shadow Lake, WA?
Homeowners with a mortgage in Shadow Lake, WA pay a median of $3,683 (±$326) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $1,273 (±$338).
68.4% of owned homes carry a mortgage.
In Shadow Lake, the median monthly cost with a mortgage went from $2,356 in 2015–2019 to $3,683 in 2020–2024 (+56.3%).
Prices (CPI-U) rose 22.7% over the same years, so it rose faster than prices: a measurable increase after inflation.
Figures last updated on .
- With a mortgage
- $3,683 (±$326)
- Without a mortgage
- $1,273 (±$338)
- Owned with a mortgage
- 68.4%
Monthly owner costs in Shadow Lake
| Shadow Lake | King County | Washington | United States | |
|---|---|---|---|---|
| With a mortgage | $3,683 (±$326) | $3,273 (±$20) | $2,445 (±$8) | $1,963 |
| Without a mortgage | $1,273 (±$338) | $1,116 (±$10) | $773 (±$4) | $638 |
| Owned homes with a mortgage | 68.4% (±9.4 points) | 69.5% (±0.5 points) | 66.1% (±0.3 points) | 60.6% |
| Median real estate taxes (a year) | $8,411 (±$718) | $7,114 (±$40) | $4,556 (±$16) | $3,119 |
Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.
In Shadow Lake, the median cost with a mortgage is higher than in King County ($3,273).
It is also higher than in Washington ($2,445).
It is higher than the national figure ($1,963).
In King County, Shadow Lake ranks 20 of 59 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 23 of 463.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in Shadow Lake have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $2,356 (±$293) | $3,683 (±$326) | +56.3% | Up after inflation |
| Median real estate taxes | $6,078 (±$491) | $8,411 (±$718) | +38.4% | Up after inflation |
| Median home value | $486,900 (±$47,768) | $816,300 (±$90,680) | +67.7% | Up after inflation |
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.
Median monthly cost with a mortgage in places near Shadow Lake
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Shadow Lake | — | $3,683 (±$326) | — |
| Maple Heights-Lake Desire | 2.2 mi | $3,405 (±$445) | Not measurably different |
| Covington | 3.1 mi | $2,668 (±$118) | Lower |
| Maple Valley | 3.4 mi | $2,984 (±$96) | Lower |
| Hobart | 3.5 mi | $3,681 (±$217) | Not measurably different |
| Fairwood (King County) | 4.1 mi | $2,826 (±$106) | Lower |
| East Renton Highlands | 4.7 mi | $3,281 (±$262) | Not measurably different |
| Lake Morton-Berrydale | 5.2 mi | $2,910 (±$172) | Lower |
| Mirrormont | 5.6 mi | $3,690 (±$267) | Not measurably different |
Nearby places with a measurably lower figure: Covington, WA ($2,668), Maple Valley, WA ($2,984), Fairwood (King County), WA ($2,826).
Distance is measured in a straight line between the Census Bureau’s internal points for each place.
Median monthly cost with a mortgage across King County, place by place
| Rank | Place | Median monthly cost with a mortgage |
|---|---|---|
| 14 | Redmond | $3,798 (±$153) |
| 15 | Normandy Park | $3,762 (±$247) |
| 16 | Cottage Lake | $3,744 (±$232) |
| 17 | Fall City | $3,706 (±$308) |
| 18 | Lake Forest Park | $3,697 (±$219) |
| 19 | Mirrormont | $3,690 (±$267) |
| 20 | Shadow Lake | $3,683 (±$326) |
| 21 | Hobart | $3,681 (±$217) |
| 22 | Issaquah | $3,634 (±$218) |
| 23 | Kirkland | $3,632 (±$125) |
| 24 | Snoqualmie | $3,626 (±$161) |
| 25 | Lake Holm | $3,566 (±$182) |
| 26 | Seattle | $3,505 (±$48) |
Showing 13 of 59 places in King County, ranked from highest to lowest.
Shadow 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 Shadow Lake
What is the average mortgage payment in Shadow Lake?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Shadow Lake, WA is $3,683 (±$326) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in Shadow Lake?
Owners without a mortgage in Shadow Lake pay a median of $1,273 (±$338) a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in Shadow Lake gone up?
In Shadow Lake, the median monthly cost with a mortgage went from $2,356 in 2015–2019 to $3,683 in 2020–2024 (+56.3%).
Prices (CPI-U) rose 22.7% over the same years, so it rose faster than prices: a measurable increase after inflation.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Shadow Lake CDP, Washington
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Shadow Lake CDP, Washington
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Shadow Lake CDP, Washington
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Shadow Lake CDP, Washington
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Shadow Lake CDP, Washington
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
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) and detailed tables (acs/acs5) for Shadow Lake CDP, Washington (place:63545, in state:53).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.
The API needs a free key.
DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M
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 .
Related
- Housing in Shadow Lake at a glance
- Income and affordability in Shadow Lake
- Home values in Shadow Lake
- Property taxes in Shadow Lake
- Types of homes in Shadow Lake
- Age of homes in Shadow Lake
- Heating fuel in Shadow Lake
- Commute and cars in Shadow Lake
- Population growth in Shadow Lake
- Washington landlord and tenant rules
- Housing across King County
- Housing data for every place in Washington