98557 — Mason County, Washington Market Snapshot
Housing market data for zip code 98557 in Mason County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$375,370
Days to Sell
16
Homes Sold
11
Inventory
14
Sale-to-List
97.9%
New Listings
19
Price/SqFt
$275
Pending Sales
14
Conforming Loan Available
Most homebuyers in 98557 can comfortably use conventional financing. The median home price of $375,370 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 98557 are moving quickly at 16 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 98557 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 98557 can comfortably use conventional financing. The median home price of $375,370 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 98557 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 98557
To purchase the median home at $375,370 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,026.
Monthly Payment
$3,026
Income Required
$129,684
Principal & Interest
$2,313/mo
Down Payment (5%)
$18,769
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 98557.
Estimated Monthly Payment
$2,473
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