99111 — Whitman County, Washington Market Snapshot
Housing market data for zip code 99111 in Whitman County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$326,000
Days to Sell
8
Homes Sold
16
Inventory
15
Sale-to-List
101.0%
New Listings
25
Price/SqFt
$172
Pending Sales
24
Conforming Loan Available
Most homebuyers in 99111 can comfortably use conventional financing. The median home price of $326,000 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
99111 is an extremely competitive market with homes selling in just 8 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 99111 (101.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 99111 can comfortably use conventional financing. The median home price of $326,000 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 99111 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 99111
To purchase the median home at $326,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,648.
Monthly Payment
$2,648
Income Required
$113,473
Principal & Interest
$2,009/mo
Down Payment (5%)
$16,300
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 99111.
Estimated Monthly Payment
$2,168
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