99338 — Benton County, Washington Market Snapshot
Housing market data for zip code 99338 in Benton County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
110 sales in 2026 (year to date)
Median Sale Price
$509,000
Days to Sell
71
Homes Sold
110
Inventory
121
Sale-to-List
98.9%
New Listings
141
Price/SqFt
$260
Pending Sales
120
Conforming Loan Available
Most homebuyers in 99338 can comfortably use conventional financing. The median home price of $509,000 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
With homes sitting for 71 days on average, 99338 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 99338 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 99338 can comfortably use conventional financing. The median home price of $509,000 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 99338 are set at the county level.
2026 Loan Limits — Benton 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 99338
To purchase the median home at $509,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,050.
Monthly Payment
$4,050
Income Required
$173,563
Principal & Interest
$3,136/mo
Down Payment (5%)
$25,450
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 99338.
Estimated Monthly Payment
$3,300
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