98592 — Mason County, Washington Market Snapshot
Housing market data for zip code 98592 in Mason County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$567,500
Days to Sell
76
Homes Sold
12
Inventory
25
Sale-to-List
97.9%
New Listings
20
Price/SqFt
$253
Pending Sales
7
Conforming Loan Available
Most homebuyers in 98592 can comfortably use conventional financing. The median home price of $567,500 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
With homes sitting for 76 days on average, 98592 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 98592 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 98592 can comfortably use conventional financing. The median home price of $567,500 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 98592 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 98592
To purchase the median home at $567,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,498.
Monthly Payment
$4,498
Income Required
$192,771
Principal & Interest
$3,497/mo
Down Payment (5%)
$28,375
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 98592.
Estimated Monthly Payment
$3,662
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