98284 — Skagit County, Washington Market Snapshot
Housing market data for zip code 98284 in Skagit County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
57 sales in 2026 (year to date)
Median Sale Price
$533,280
Days to Sell
9
Homes Sold
57
Inventory
71
Sale-to-List
100.8%
New Listings
109
Price/SqFt
$349
Pending Sales
81
Conforming Loan Available
Most homebuyers in 98284 can comfortably use conventional financing. The median home price of $533,280 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
98284 is an extremely competitive market with homes selling in just 9 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 98284 (100.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98284 can comfortably use conventional financing. The median home price of $533,280 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 98284 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 98284
To purchase the median home at $533,280 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,236.
Monthly Payment
$4,236
Income Required
$181,535
Principal & Interest
$3,286/mo
Down Payment (5%)
$26,664
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 98284.
Estimated Monthly Payment
$3,450
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