98264 — Whatcom County, Washington Market Snapshot
Housing market data for zip code 98264 in Whatcom County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
59 sales in 2026 (year to date)
Median Sale Price
$659,000
Days to Sell
25
Homes Sold
59
Inventory
59
Sale-to-List
99.2%
New Listings
104
Price/SqFt
$329
Pending Sales
80
Conforming Loan Available
Most homebuyers in 98264 can comfortably use conventional financing. The median home price of $659,000 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 98264 are moving quickly at 25 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 98264 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98264 can comfortably use conventional financing. The median home price of $659,000 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 98264 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 98264
To purchase the median home at $659,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,199.
Monthly Payment
$5,199
Income Required
$222,816
Principal & Interest
$4,061/mo
Down Payment (5%)
$32,950
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 98264.
Estimated Monthly Payment
$4,228
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