98366 — Kitsap County, Washington Market Snapshot
Housing market data for zip code 98366 in Kitsap County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
128 sales in 2026 (year to date)
Median Sale Price
$509,912
Days to Sell
13
Homes Sold
128
Inventory
75
Sale-to-List
100.9%
New Listings
172
Price/SqFt
$307
Pending Sales
145
Conforming Loan Available
Most homebuyers in 98366 can comfortably use conventional financing. The median home price of $509,912 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
98366 is an extremely competitive market with homes selling in just 13 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 98366 (100.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98366 can comfortably use conventional financing. The median home price of $509,912 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 98366 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 98366
To purchase the median home at $509,912 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,057.
Monthly Payment
$4,057
Income Required
$173,862
Principal & Interest
$3,142/mo
Down Payment (5%)
$25,496
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 98366.
Estimated Monthly Payment
$3,306
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