98232 — Skagit County, Washington Market Snapshot
Housing market data for zip code 98232 in Skagit County, Washington. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 9 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Skagit County county page for broader data.
Market Sales Data
9 sales in 2026 (year to date)
Median Sale Price
$999,999
Days to Sell
14
Homes Sold
9
Inventory
7
Jumbo Loan Likely Needed
The median home in 98232 at $999,999 exceeds the 2026 conforming loan limit of $832,750 by $167,249. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 98232 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
The median home in 98232 at $999,999 exceeds the 2026 conforming loan limit of $832,750 by $167,249. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 98232 are set at the county level.
2026 Loan Limits — Skagit County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $621,000 |
| 2 Units | $1,066,250 | $795,000 |
| 3 Units | $1,288,800 | $960,950 |
| 4 Units | $1,601,750 | $1,194,250 |
Affordability Snapshot — Zip 98232
To purchase the median home at $999,999 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,812.
Monthly Payment
$7,812
Income Required
$334,786
Principal & Interest
$6,162/mo
Down Payment (5%)
$50,000
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 98232.
Estimated Monthly Payment
$6,339
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