States We Lend In
Our loan officers are ready and waiting to help you apply for your home loan.
Thinking about buying a home in Seattle, WA? Ballard is often on buyers’ shortlists because it offers a mix of walkability, popular restaurants and shops, access to outdoor spaces, and a range of housing types from condos and townhomes to single-family homes.
Before you choose the neighborhood, it helps to understand how Ballard’s lifestyle, housing mix, commute tradeoffs, and pricing fit your goals. This guide walks through what Ballard is known for and what to consider before making a move. Calculate your potential mortgage payment on a Ballard, Seattle home.
Ballard is northwest of downtown Seattle. It’s bordered on the west by Puget Sound and a terrific mountain view, and on the south by the spectacular Salmon Bay and the joining of Lake Washington with the Ballard Locks.
Bordering Ballard are other desirable neighborhoods; to the north, there’s easy access to Crown Hill and North Beach, to the east lie Phinney Ridge and Greenwood, and across the Locks is the gorgeous neighborhood of Magnolia.
Ballard is generally accepted as being one of the most walkable neighborhoods in the Seattle, WA, area, and has hundreds of shops and restaurants as well as a top-rated elementary school. There’s a reason Ballard makes any list of the best neighborhoods in Seattle.
Commute times from Ballard to neighboring areas are reasonable; you can reach Downtown Seattle in just 20 to 40 minutes, Bellevue is just half an hour to an hour away, and Redmond is accessible in 40 to 70 minutes. You can also reach all surrounding areas on transit.
Ballard has a rich history; it has its origins as a Scandinavian fishing village, and many boats in the area still fly Norwegian and Swedish flags. Locals celebrate the Norwegian national holiday, Syttende Mai, with a parade annually on May 17th.
Today, Ballard Seattle retains much of its heritage but has become a trendy center for young professionals and families. It features a bustling Old Town center and plenty of outdoor spaces to enjoy year-round.
Downtown Seattle is just a short drive away, but you may find you don’t feel the need to escape the self-contained bubble that Ballard represents.
Market Street and on Ballard Avenue create a hub that is known as Ballard Old Town. Places to buy, eat, and enjoy food and drink are everywhere, from food markets, cafes, cocktail and dive bars, food trucks, craft breweries, high-end eateries and restaurants, and more.
It’s beyond easy to spend a full day or two every weekend just strolling and sampling, and dinner dates are kicked up a notch when you live in Ballard. There’s always somewhere to go with friends, coworkers, or that special someone.
Whether you enjoy the coastline or prefer strolls through the woodlands, Ballard has it all. The strategic location on Puget Sound means you can hang out in a beach setting all summer, while autumn turns the trees in the nearby parks into a riotous mass of color.
From the famous Locks, you can watch migrating salmon flip and thrash their way upstream to spawning grounds. The fresh waters of Lake Washington meet the salty waters of the Salish Sea in a flurry of foam and boats big and small travel up and down the locks all day and night.
The waterfront at the Shilshole Marina is a favorite of tourists and locals alike. The Burke Gilman trail runs from there out to the Golden Gardens, a beautiful beach with unmatched sunsets and a view of the Olympic Mountains.
Seattle is home to a thriving urban forest program, and residents of Ballard take advantage of free tree programs to shade their walkways and improve the greenery of their streets. You can enjoy walks or jogs through most neighborhoods without getting too far from home.
Sunset Park is where dog lovers congregate with their pets as the sun goes down over the mountain peaks, birdwatchers bring binoculars and photogs break out cameras to record the terrific views.
Pro Tip: Check out our 2026 Conforming Loan Limits and FHA Loan Limits pages to help you understand how much you can borrow with a specific mortgage program.
Demand for homes in the Seattle area means demand is high and construction in Ballard is almost non-stop. Single family homes populate the area above NW 65th street, with larger homes, bigger yards, and more neighborhood amenities.
Craftsman homes are popular, as well as bungalows, ramblers, red brick Tudors, and other older home styles. However, million dollar boxy homes are starting to pop up in the area as well. It’s an expensive area for real estate, and the median sale price in Ballard was about $910K over the last 3 months, according to Redfin.
To the south, townhomes, apartments, and condos provide housing for multifamily units. Density starts to climb, and sections of 24th Ave, 15th Ave NW, and even Market Street itself are seeing construction booms that are changing the look and feel of blocks of real estate.
Many residents in this area eschew cars since the social hub of the city is mere blocks away, and public transit is well run and affordable. If you would rather walk than ride, this sector could be ideal for you.
Pro Tip: Use our online mortgage calculator to estimate your loan costs before applying.
If you work in Seattle, have a high enough income to manage a home mortgage payment in the costly neighborhood of Ballard, and are looking forward to a lively single life or to starting a family, Ballard could be the ideal place for you to shop for a home.
The SW quadrant is classic old downtown, Ballard. If you’re looking at homes around Shilshole, Ballard, Market, 15th and Leary Ave, it’s all townhouses and condos. You can get to just about anything in a few minutes on foot, and singles can mingle easily.
The SE quadrant features turn-of-the-century to mid-century homes, usually on the smaller side, starting with lower prices towards the Market and rising in cost as you approach 65th. East of 8th are plenty of small shops.
The NE Quadrant starts with value driven (for the area) and rises slowly closer to 70th and Alonzo, although it’s a supremely walkable neighborhood and you’ll find everything you need in a tight radius by car.
The NW quadrant has bigger homes, albeit the lowest walk-scores. However, you still have a quick commute and easy access to amenities, and you might prefer this area if you’re shopping for a larger family home.
Ballard may be worth keeping on your shortlist if you want a neighborhood with strong walkability, easy access to restaurants and shops, and a housing mix that includes condos, townhomes, and single-family homes. It can be especially appealing if you’re comfortable paying more for location and convenience.
You may want to look more closely at Ballard’s specific areas based on the kind of home you want. Buyers who prioritize being able to walk to nightlife, cafes, and daily errands may prefer the denser southern sections, while buyers who want more space and larger homes may lean toward the northern and northwestern parts of the neighborhood.
Commute style matters too. If your routine depends on getting into Downtown Seattle regularly or using transit, Ballard can be a practical fit. If you want a quieter residential feel and are willing to trade some walkability for larger lots or a more traditional neighborhood setup, certain parts of Ballard may work better than others.
In short, Ballard tends to fit buyers who value lifestyle and location as much as square footage. If your budget is tight, your commute is highly specific, or you strongly prefer newer or lower-maintenance housing, compare sub-areas carefully before deciding.
Sammamish Mortgage can help. We serve clients across Washington, Idaho, Colorado, Oregon, and California. Since 1992, we’ve been providing several mortgage programs and products with flexible qualification criteria to borrowers across the Pacific Northwest. Visit our website to get an instant rate quote or to use our online mortgage calculator. Or, reach out to us if you are ready to get pre-approved for a mortgage.
It can be, especially for buyers who want walkability and are open to condos or townhomes. The main consideration is budget, since Ballard can be a costly neighborhood compared with other parts of Seattle.
Ballard offers a mix of housing types, including condos, townhomes, apartments, and single-family homes. Older styles such as Craftsman, bungalow, rambler, and Tudor homes are also part of the neighborhood’s housing mix.
Many buyers consider Ballard attractive because of its walkability, especially near the denser core around shops, restaurants, and everyday amenities. Walkability can vary depending on which part of the neighborhood you choose.
Think about whether you want easier access to Downtown Seattle and transit, or whether you’re willing to trade some convenience for a larger home or quieter block. Different parts of Ballard can feel more urban or more residential.
Older homes can offer character and established neighborhood appeal, but buyers should pay attention to condition, maintenance needs, and how the home fits their renovation tolerance and budget.
Ballard is often appealing to buyers who want a neighborhood with strong walkability, a lively restaurant and shopping scene, outdoor access, and a mix of housing options. Whether it is a good fit depends on your budget, commute needs, and preferred home style.
It can be a strong fit for people who value lifestyle and location as much as square footage. Ballard offers access to beaches, parks, trails, restaurants, shops, and transit, but home prices and density in some sections may not suit every buyer.
Key factors include Ballard’s higher home prices, its mix of condos, townhomes, and single-family homes, and the fact that different sections offer different tradeoffs in walkability, space, and commute convenience. Buyers should compare sub-areas carefully before choosing.
The southern sections tend to be denser and more walkable, with more condos and townhomes near restaurants and nightlife. Northern and northwestern areas may appeal more to buyers who want larger homes, more space, or a quieter residential feel.
Ballard is known for its Scandinavian heritage, Old Town district, food and brewery scene, and outdoor attractions such as the Ballard Locks, Shilshole Marina, Golden Gardens, and neighborhood parks. These lifestyle features are a major reason many buyers consider the area.
Our loan officers are ready and waiting to help you apply for your home loan.
Learn more about the people behind Sammamish Mortgage
Whether you’re buying a home or ready to refinance, our professionals can help.
Mortgage Support — 24/7
No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.
Adjust the parameters based on what you want to track