98110 — Kitsap County, Washington Market Snapshot
Housing market data for zip code 98110 in Kitsap County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$720,000
Days to Sell
6
Homes Sold
11
Inventory
10
Sale-to-List
99.3%
New Listings
19
Price/SqFt
$579
Pending Sales
12
Conforming Loan Available
The median home in 98110 at $720,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
98110 is an extremely competitive market with homes selling in just 6 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 98110 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 98110 at $720,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 98110 are set at the county level.
2026 Loan Limits — Kitsap County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $616,400 |
| 2 Units | $1,066,250 | $789,100 |
| 3 Units | $1,288,800 | $953,850 |
| 4 Units | $1,601,750 | $1,185,400 |
Affordability Snapshot — Zip 98110
To purchase the median home at $720,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,666.
Monthly Payment
$5,666
Income Required
$242,846
Principal & Interest
$4,436/mo
Down Payment (5%)
$36,000
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 98110.
Estimated Monthly Payment
$4,606
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