98321 — Pierce County, Washington Market Snapshot
Housing market data for zip code 98321 in Pierce County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
78 sales in 2026 (year to date)
Median Sale Price
$675,000
Days to Sell
23
Homes Sold
78
Inventory
62
Sale-to-List
99.9%
New Listings
116
Price/SqFt
$325
Pending Sales
80
Conforming Loan Available
Most homebuyers in 98321 can comfortably use conventional financing. The median home price of $675,000 is well below the 2026 conforming loan limit of $1,063,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 98321 are moving quickly at 23 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 98321 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98321 can comfortably use conventional financing. The median home price of $675,000 is well below the 2026 conforming loan limit of $1,063,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 98321 are set at the county level.
2026 Loan Limits — Pierce County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,063,750 | $1,063,750 |
| 2 Units | $1,361,800 | $1,361,800 |
| 3 Units | $1,646,100 | $1,646,100 |
| 4 Units | $2,045,700 | $2,045,700 |
Affordability Snapshot — Zip 98321
To purchase the median home at $675,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,322.
Monthly Payment
$5,322
Income Required
$228,070
Principal & Interest
$4,159/mo
Down Payment (5%)
$33,750
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 98321.
Estimated Monthly Payment
$4,327
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