99350 — Benton County, Washington Market Snapshot
Housing market data for zip code 99350 in Benton County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
39 sales in 2026 (year to date)
Median Sale Price
$422,990
Days to Sell
133
Homes Sold
39
Inventory
56
Sale-to-List
96.8%
New Listings
48
Price/SqFt
$256
Pending Sales
40
Conforming Loan Available
Most homebuyers in 99350 can comfortably use conventional financing. The median home price of $422,990 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 133 days on average, 99350 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
The average home in 99350 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 99350 can comfortably use conventional financing. The median home price of $422,990 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 99350 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 99350
To purchase the median home at $422,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,391.
Monthly Payment
$3,391
Income Required
$145,321
Principal & Interest
$2,606/mo
Down Payment (5%)
$21,150
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 99350.
Estimated Monthly Payment
$2,768
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