98312 — Mason County, Washington Market Snapshot
Housing market data for zip code 98312 in Mason County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
103 sales in 2026 (year to date)
Median Sale Price
$485,312
Days to Sell
22
Homes Sold
103
Inventory
84
Sale-to-List
99.8%
New Listings
168
Price/SqFt
$257
Pending Sales
146
Conforming Loan Available
Most homebuyers in 98312 can comfortably use conventional financing. The median home price of $485,312 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 98312 are moving quickly at 22 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 98312 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98312 can comfortably use conventional financing. The median home price of $485,312 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 98312 are set at the county level.
2026 Loan Limits — Mason 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 98312
To purchase the median home at $485,312 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,868.
Monthly Payment
$3,868
Income Required
$165,785
Principal & Interest
$2,990/mo
Down Payment (5%)
$24,266
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 98312.
Estimated Monthly Payment
$3,153
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