98237 — Whatcom County, Washington Market Snapshot
Housing market data for zip code 98237 in Whatcom County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$582,780
Days to Sell
82
Homes Sold
14
Inventory
31
Sale-to-List
99.2%
New Listings
30
Price/SqFt
$264
Pending Sales
20
Conforming Loan Available
Most homebuyers in 98237 can comfortably use conventional financing. The median home price of $582,780 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 82 days on average, 98237 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
Homes are selling very close to asking price in 98237 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98237 can comfortably use conventional financing. The median home price of $582,780 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 98237 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 98237
To purchase the median home at $582,780 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,615.
Monthly Payment
$4,615
Income Required
$197,789
Principal & Interest
$3,591/mo
Down Payment (5%)
$29,139
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 98237.
Estimated Monthly Payment
$3,757
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