98337 — Kitsap County, Washington Market Snapshot
Housing market data for zip code 98337 in Kitsap 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
$445,090
Days to Sell
14
Homes Sold
31
Inventory
12
Sale-to-List
100.3%
New Listings
33
Price/SqFt
$278
Pending Sales
35
Conforming Loan Available
Most homebuyers in 98337 can comfortably use conventional financing. The median home price of $445,090 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
Homes in 98337 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 98337 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98337 can comfortably use conventional financing. The median home price of $445,090 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 98337 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 98337
To purchase the median home at $445,090 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,560.
Monthly Payment
$3,560
Income Required
$152,577
Principal & Interest
$2,743/mo
Down Payment (5%)
$22,255
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 98337.
Estimated Monthly Payment
$2,905
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