99169 — Adams County, Washington Market Snapshot
Housing market data for zip code 99169 in Adams County, Washington. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 4 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Adams County county page for broader data.
Market Sales Data
4 sales in 2026 (year to date)
Median Sale Price
$180,540
Days to Sell
126
Homes Sold
4
Inventory
15
Conforming Loan Available
Most homebuyers in 99169 can comfortably use conventional financing. The median home price of $180,540 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 126 days on average, 99169 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 99169 can comfortably use conventional financing. The median home price of $180,540 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 99169 are set at the county level.
2026 Loan Limits — Adams County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 99169
To purchase the median home at $180,540 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,533.
Monthly Payment
$1,533
Income Required
$65,710
Principal & Interest
$1,112/mo
Down Payment (5%)
$9,027
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 99169.
Estimated Monthly Payment
$1,267
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