98580 — Pierce County, Washington Market Snapshot
Housing market data for zip code 98580 in Pierce County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$696,095
Days to Sell
55
Homes Sold
28
Inventory
33
Sale-to-List
99.0%
New Listings
49
Price/SqFt
$324
Pending Sales
31
Conforming Loan Available
Most homebuyers in 98580 can comfortably use conventional financing. The median home price of $696,095 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
98580's market is balanced with homes taking an average of 55 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 98580 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98580 can comfortably use conventional financing. The median home price of $696,095 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 98580 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 98580
To purchase the median home at $696,095 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,483.
Monthly Payment
$5,483
Income Required
$234,997
Principal & Interest
$4,289/mo
Down Payment (5%)
$34,805
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 98580.
Estimated Monthly Payment
$4,458
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