98392 — Kitsap County, Washington Market Snapshot
Housing market data for zip code 98392 in Kitsap County, Washington. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 9 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Kitsap County county page for broader data.
Market Sales Data
9 sales in 2026 (year to date)
Median Sale Price
$495,000
Days to Sell
12
Homes Sold
9
Inventory
5
Conforming Loan Available
Most homebuyers in 98392 can comfortably use conventional financing. The median home price of $495,000 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
98392 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 98392 can comfortably use conventional financing. The median home price of $495,000 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 98392 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 98392
To purchase the median home at $495,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,943.
Monthly Payment
$3,943
Income Required
$168,966
Principal & Interest
$3,050/mo
Down Payment (5%)
$24,750
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 98392.
Estimated Monthly Payment
$3,213
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