98247 — Whatcom County, Washington Market Snapshot
Housing market data for zip code 98247 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
$637,780
Days to Sell
15
Homes Sold
14
Inventory
22
Sale-to-List
100.0%
New Listings
32
Price/SqFt
$333
Pending Sales
20
Conforming Loan Available
Most homebuyers in 98247 can comfortably use conventional financing. The median home price of $637,780 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
Homes in 98247 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 98247 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98247 can comfortably use conventional financing. The median home price of $637,780 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 98247 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 98247
To purchase the median home at $637,780 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,036.
Monthly Payment
$5,036
Income Required
$215,849
Principal & Interest
$3,930/mo
Down Payment (5%)
$31,889
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 98247.
Estimated Monthly Payment
$4,097
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