99354 — Benton County, Washington Market Snapshot
Housing market data for zip code 99354 in Benton County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$378,850
Days to Sell
102
Homes Sold
10
Inventory
8
Sale-to-List
99.6%
New Listings
4
Price/SqFt
$225
Pending Sales
6
Conforming Loan Available
Most homebuyers in 99354 can comfortably use conventional financing. The median home price of $378,850 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 102 days on average, 99354 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 are selling very close to asking price in 99354 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 99354 can comfortably use conventional financing. The median home price of $378,850 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 99354 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 99354
To purchase the median home at $378,850 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,053.
Monthly Payment
$3,053
Income Required
$130,827
Principal & Interest
$2,334/mo
Down Payment (5%)
$18,943
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 99354.
Estimated Monthly Payment
$2,495
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