98370 — Kitsap County, Washington Market Snapshot
Housing market data for zip code 98370 in Kitsap County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
104 sales in 2026 (year to date)
Median Sale Price
$672,615
Days to Sell
16
Homes Sold
104
Inventory
66
Sale-to-List
99.7%
New Listings
149
Price/SqFt
$326
Pending Sales
134
Conforming Loan Available
The median home in 98370 at $672,615 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
Homes in 98370 are moving quickly at 16 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 98370 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 98370 at $672,615 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 98370 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 98370
To purchase the median home at $672,615 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,303.
Monthly Payment
$5,303
Income Required
$227,287
Principal & Interest
$4,144/mo
Down Payment (5%)
$33,631
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 98370.
Estimated Monthly Payment
$4,313
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 98370. Tell us what you're looking for.