98363 — Clallam County, Washington Market Snapshot
Housing market data for zip code 98363 in Clallam County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$438,500
Days to Sell
14
Homes Sold
26
Inventory
41
Sale-to-List
97.4%
New Listings
67
Price/SqFt
$320
Pending Sales
47
Conforming Loan Available
Most homebuyers in 98363 can comfortably use conventional financing. The median home price of $438,500 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
Homes in 98363 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 98363 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 98363 can comfortably use conventional financing. The median home price of $438,500 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 98363 are set at the county level.
2026 Loan Limits — Clallam 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 98363
To purchase the median home at $438,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,510.
Monthly Payment
$3,510
Income Required
$150,414
Principal & Interest
$2,702/mo
Down Payment (5%)
$21,925
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 98363.
Estimated Monthly Payment
$2,864
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