98563 — Grays Harbor County, Washington Market Snapshot
Housing market data for zip code 98563 in Grays Harbor County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$385,400
Days to Sell
46
Homes Sold
27
Inventory
24
Sale-to-List
97.5%
New Listings
32
Price/SqFt
$246
Pending Sales
26
Conforming Loan Available
Most homebuyers in 98563 can comfortably use conventional financing. The median home price of $385,400 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
98563's market is balanced with homes taking an average of 46 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 98563 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 98563 can comfortably use conventional financing. The median home price of $385,400 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 98563 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 98563
To purchase the median home at $385,400 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,103.
Monthly Payment
$3,103
Income Required
$132,978
Principal & Interest
$2,375/mo
Down Payment (5%)
$19,270
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 98563.
Estimated Monthly Payment
$2,535
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