98354 — King County, Washington Market Snapshot
Housing market data for zip code 98354 in King County, Washington. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the King County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$370,000
Days to Sell
12
Homes Sold
2
Inventory
N/A
Conforming Loan Available
Most homebuyers in 98354 can comfortably use conventional financing. The median home price of $370,000 is well below the 2026 conforming loan limit of $1,063,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
98354 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 98354 can comfortably use conventional financing. The median home price of $370,000 is well below the 2026 conforming loan limit of $1,063,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 98354 are set at the county level.
2026 Loan Limits — King County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,063,750 | $1,063,750 |
| 2 Units | $1,361,800 | $1,361,800 |
| 3 Units | $1,646,100 | $1,646,100 |
| 4 Units | $2,045,700 | $2,045,700 |
Affordability Snapshot — Zip 98354
To purchase the median home at $370,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,985.
Monthly Payment
$2,985
Income Required
$127,921
Principal & Interest
$2,280/mo
Down Payment (5%)
$18,500
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 98354.
Estimated Monthly Payment
$2,440
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 98354. Tell us what you're looking for.