98823 — Grant County, Washington Market Snapshot
Housing market data for zip code 98823 in Grant County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
31 sales in 2026 (year to date)
Median Sale Price
$350,885
Days to Sell
67
Homes Sold
31
Inventory
55
Sale-to-List
99.1%
New Listings
54
Price/SqFt
$231
Pending Sales
37
Conforming Loan Available
Most homebuyers in 98823 can comfortably use conventional financing. The median home price of $350,885 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 67 days on average, 98823 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 98823 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98823 can comfortably use conventional financing. The median home price of $350,885 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 98823 are set at the county level.
2026 Loan Limits — Grant 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 98823
To purchase the median home at $350,885 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,838.
Monthly Payment
$2,838
Income Required
$121,644
Principal & Interest
$2,162/mo
Down Payment (5%)
$17,544
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 98823.
Estimated Monthly Payment
$2,322
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