98021 — Snohomish County, Washington Market Snapshot
Housing market data for zip code 98021 in Snohomish 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
$930,500
Days to Sell
29
Homes Sold
12
Inventory
13
Sale-to-List
98.0%
New Listings
15
Price/SqFt
$475
Pending Sales
8
Conforming Loan Available
The median home in 98021 at $930,500 falls within the 2026 conforming loan limit of $1,063,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 98021 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 98021 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 98021 at $930,500 falls within the 2026 conforming loan limit of $1,063,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 98021 are set at the county level.
2026 Loan Limits — Snohomish 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 98021
To purchase the median home at $930,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,279.
Monthly Payment
$7,279
Income Required
$311,966
Principal & Interest
$5,733/mo
Down Payment (5%)
$46,525
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 98021.
Estimated Monthly Payment
$5,909
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