98550 — Grays Harbor County, Washington Market Snapshot
Housing market data for zip code 98550 in Grays Harbor 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
$274,000
Days to Sell
62
Homes Sold
39
Inventory
51
Sale-to-List
99.2%
New Listings
52
Price/SqFt
$175
Pending Sales
39
Conforming Loan Available
Most homebuyers in 98550 can comfortably use conventional financing. The median home price of $274,000 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
With homes sitting for 62 days on average, 98550 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 98550 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98550 can comfortably use conventional financing. The median home price of $274,000 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 98550 are set at the county level.
2026 Loan Limits — Grays Harbor 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 98550
To purchase the median home at $274,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,249.
Monthly Payment
$2,249
Income Required
$96,399
Principal & Interest
$1,688/mo
Down Payment (5%)
$13,700
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 98550.
Estimated Monthly Payment
$1,846
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