98220 — Whatcom County, Washington Market Snapshot
Housing market data for zip code 98220 in Whatcom County, Washington. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Whatcom County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$447,500
Days to Sell
3
Homes Sold
2
Inventory
3
Conforming Loan Available
Most homebuyers in 98220 can comfortably use conventional financing. The median home price of $447,500 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
98220 is an extremely competitive market with homes selling in just 3 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 98220 can comfortably use conventional financing. The median home price of $447,500 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 98220 are set at the county level.
2026 Loan Limits — Whatcom County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $664,700 |
| 2 Units | $1,066,250 | $850,950 |
| 3 Units | $1,288,800 | $1,028,600 |
| 4 Units | $1,601,750 | $1,278,300 |
Affordability Snapshot — Zip 98220
To purchase the median home at $447,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,579.
Monthly Payment
$3,579
Income Required
$153,369
Principal & Interest
$2,757/mo
Down Payment (5%)
$22,375
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 98220.
Estimated Monthly Payment
$2,919
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 98220. Tell us what you're looking for.