99004 — Whitman County, Washington Market Snapshot
Housing market data for zip code 99004 in Whitman County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
68 sales in 2026 (year to date)
Median Sale Price
$417,497
Days to Sell
51
Homes Sold
68
Inventory
69
Sale-to-List
99.7%
New Listings
96
Price/SqFt
$248
Pending Sales
70
Conforming Loan Available
Most homebuyers in 99004 can comfortably use conventional financing. The median home price of $417,497 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
99004's market is balanced with homes taking an average of 51 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 99004 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 99004 can comfortably use conventional financing. The median home price of $417,497 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 99004 are set at the county level.
2026 Loan Limits — Whitman County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $579,600 |
| 2 Units | $1,066,250 | $742,000 |
| 3 Units | $1,288,800 | $896,900 |
| 4 Units | $1,601,750 | $1,114,650 |
Affordability Snapshot — Zip 99004
To purchase the median home at $417,497 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,349.
Monthly Payment
$3,349
Income Required
$143,517
Principal & Interest
$2,572/mo
Down Payment (5%)
$20,875
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 99004.
Estimated Monthly Payment
$2,734
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