99362 — Walla Walla County, Washington Market Snapshot
Housing market data for zip code 99362 in Walla Walla County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
112 sales in 2026 (year to date)
Median Sale Price
$473,375
Days to Sell
80
Homes Sold
112
Inventory
170
Sale-to-List
97.5%
New Listings
207
Price/SqFt
$264
Pending Sales
127
Conforming Loan Available
Most homebuyers in 99362 can comfortably use conventional financing. The median home price of $473,375 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
With homes sitting for 80 days on average, 99362 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 99362 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 99362 can comfortably use conventional financing. The median home price of $473,375 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 99362 are set at the county level.
2026 Loan Limits — Walla Walla County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 99362
To purchase the median home at $473,375 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,777.
Monthly Payment
$3,777
Income Required
$161,865
Principal & Interest
$2,917/mo
Down Payment (5%)
$23,669
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 99362.
Estimated Monthly Payment
$3,080
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