99320 — Benton County, Washington Market Snapshot
Housing market data for zip code 99320 in Benton County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$437,687
Days to Sell
62
Homes Sold
24
Inventory
26
Sale-to-List
104.6%
New Listings
40
Price/SqFt
$270
Pending Sales
35
Conforming Loan Available
Most homebuyers in 99320 can comfortably use conventional financing. The median home price of $437,687 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 62 days on average, 99320 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes in 99320 are selling 4.6% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 99320 can comfortably use conventional financing. The median home price of $437,687 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 99320 are set at the county level.
2026 Loan Limits — Benton County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 99320
To purchase the median home at $437,687 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,503.
Monthly Payment
$3,503
Income Required
$150,147
Principal & Interest
$2,697/mo
Down Payment (5%)
$21,884
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 99320.
Estimated Monthly Payment
$2,859
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