98541 — Mason County, Washington Market Snapshot
Housing market data for zip code 98541 in Mason County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$435,000
Days to Sell
21
Homes Sold
23
Inventory
31
Sale-to-List
98.1%
New Listings
38
Price/SqFt
$279
Pending Sales
29
Conforming Loan Available
Most homebuyers in 98541 can comfortably use conventional financing. The median home price of $435,000 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
Homes in 98541 are moving quickly at 21 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 98541 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98541 can comfortably use conventional financing. The median home price of $435,000 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 98541 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 98541
To purchase the median home at $435,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,483.
Monthly Payment
$3,483
Income Required
$149,264
Principal & Interest
$2,680/mo
Down Payment (5%)
$21,750
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 98541.
Estimated Monthly Payment
$2,842
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