98270 — Snohomish County, Washington Market Snapshot
Housing market data for zip code 98270 in Snohomish County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
173 sales in 2026 (year to date)
Median Sale Price
$650,450
Days to Sell
11
Homes Sold
173
Inventory
170
Sale-to-List
100.4%
New Listings
275
Price/SqFt
$354
Pending Sales
208
Conforming Loan Available
Most homebuyers in 98270 can comfortably use conventional financing. The median home price of $650,450 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
98270 is an extremely competitive market with homes selling in just 11 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 98270 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98270 can comfortably use conventional financing. The median home price of $650,450 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 98270 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 98270
To purchase the median home at $650,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,134.
Monthly Payment
$5,134
Income Required
$220,009
Principal & Interest
$4,008/mo
Down Payment (5%)
$32,523
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 98270.
Estimated Monthly Payment
$4,176
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