What is actually
happening out here.
Plain analysis of the Greater Seattle market, the zoning changes reshaping it, and how ordinary people get into ownership. Numbers with sources. No cheerleading in either direction.
The Adjustable Rate Is Back. Read the Reset First.
Fixed rates jumped to 7.28% and ARM applications hit their highest share in a year. On a median King County home a five year ARM saves about $375 a month, can cost $447 a month more than the fixed rate in year six, and usually makes it harder to qualify, not easier.
Read it →The Builder Will Pay. Pick What They Pay For.
Two thirds of builders are offering incentives right now. The same builder money can save you $320 a month for thirty years or $1,029 a month for one year. The math on a price cut, a temporary buydown and a permanent one, and why builders push the one they push.
Read it →The Price Came Down. Your Payment Went Up.
The median King County house costs $30,000 less than it did a year ago and $2,139 a year more to own, because the rate moved further than the price did. What relocation buyers actually gained in 2026, why the expensive submarket is now the negotiable one, and the two carrying costs nobody puts in your quote.
Read it →Seattle Passed a Growth Plan. It Has Not Passed the Zoning.
A light rail station opens 30 September. Two blocks of upzoning next to it were dropped from the map without explanation. Seattle adopted its Comprehensive Plan in December, but the zoning arrives in four phases, only one has passed, and the map keeps getting smaller.
Read it →Your Seattle Lot May Be Worth More Than Your House
On 21 January 2026 Seattle deleted the single-family zone. Four to six units are now permitted where one house used to sit, which means your property is made of two prices that can move independently. How to tell whether it changed anything for you.
Read it →The Seattle Market in September 2026: What the Numbers Actually Say
King County's median is $845,000, down 3.4 percent year over year, with 3.9 months of supply and homes closing at 99 percent of list. Not a crash, not 2022. The most negotiable market in four years, and most people are reading it wrong in both directions.
Read it →The median is a number
about other people’s houses.
Book a private call and I will apply all of this to your actual price point, your actual neighborhood and your actual timeline.