98686 — Clark County, Washington Market Snapshot
Housing market data for zip code 98686 in Clark County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
124 sales in 2026 (year to date)
Median Sale Price
$602,000
Days to Sell
38
Homes Sold
124
Inventory
128
Sale-to-List
100.0%
New Listings
179
Price/SqFt
$300
Pending Sales
138
Conforming Loan Available
Most homebuyers in 98686 can comfortably use conventional financing. The median home price of $602,000 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
98686's market is balanced with homes taking an average of 38 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 98686 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98686 can comfortably use conventional financing. The median home price of $602,000 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 98686 are set at the county level.
2026 Loan Limits — Clark County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $701,500 |
| 2 Units | $1,066,250 | $898,050 |
| 3 Units | $1,288,800 | $1,085,550 |
| 4 Units | $1,601,750 | $1,349,050 |
Affordability Snapshot — Zip 98686
To purchase the median home at $602,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,762.
Monthly Payment
$4,762
Income Required
$204,100
Principal & Interest
$3,709/mo
Down Payment (5%)
$30,100
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 98686.
Estimated Monthly Payment
$3,876
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