98564 — Lewis County, Washington Market Snapshot
Housing market data for zip code 98564 in Lewis County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$469,000
Days to Sell
40
Homes Sold
10
Inventory
18
Sale-to-List
97.9%
New Listings
16
Price/SqFt
$279
Pending Sales
10
Conforming Loan Available
Most homebuyers in 98564 can comfortably use conventional financing. The median home price of $469,000 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
98564's market is balanced with homes taking an average of 40 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 98564 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 98564 can comfortably use conventional financing. The median home price of $469,000 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 98564 are set at the county level.
2026 Loan Limits — Lewis County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 98564
To purchase the median home at $469,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,743.
Monthly Payment
$3,743
Income Required
$160,428
Principal & Interest
$2,890/mo
Down Payment (5%)
$23,450
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 98564.
Estimated Monthly Payment
$3,053
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