CALCMONEY // MORTGAGE // WA // SEATTLE // 98103
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 98103 in Seattle, WA. This is a high-net-worth enclave — most purchases require jumbo financing.
$1,100,000
$880,000
$6,987
$299,458/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $1,100,000 | $990,000 | $6,520 | $7,712 | 6.9% |
| 20% Down | $1,100,000 | $880,000 | $5,796 | $6,987 | 6.9% |
| 25% Down | $1,100,000 | $825,000 | $5,433 | $6,625 | 6.9% |
Total monthly includes principal & interest, property tax (0.9% annual), and estimated homeowners insurance. PMI not included.
Fremont / Wallingford (ZIP 98103) sits within Seattle, Washington with a median home price of $1,100,000 — significantly above the Seattle city-wide median of $780,000. At 80% LTV, the typical loan amount of $880,000 exceeds the 2026 conforming loan limit of $766,550, placing most purchases in jumbo territory. Jumbo loans typically require stronger credit scores, larger reserves, and may carry slightly different rate pricing.
Property taxes in ZIP 98103 run 0.9% annually, adding $825 per month on the median home. Median household income in this neighborhood is approximately $195,000, placing the price-to-income ratio at 5.6x. Washington has no state income tax, giving buyers here more purchasing power relative to equivalent salaries in income-tax states.