98826 — Chelan County, Washington Market Snapshot
Housing market data for zip code 98826 in Chelan County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$862,500
Days to Sell
19
Homes Sold
30
Inventory
119
Sale-to-List
96.5%
New Listings
133
Price/SqFt
$463
Pending Sales
46
Jumbo Loan Likely Needed
The median home in 98826 at $862,500 exceeds the 2026 conforming loan limit of $832,750 by $29,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 98826 are moving quickly at 19 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 98826 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 98826 at $862,500 exceeds the 2026 conforming loan limit of $832,750 by $29,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 98826 are set at the county level.
2026 Loan Limits — Chelan County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $586,500 |
| 2 Units | $1,066,250 | $750,800 |
| 3 Units | $1,288,800 | $907,550 |
| 4 Units | $1,601,750 | $1,127,900 |
Affordability Snapshot — Zip 98826
To purchase the median home at $862,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,758.
Monthly Payment
$6,758
Income Required
$289,637
Principal & Interest
$5,314/mo
Down Payment (5%)
$43,125
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 98826.
Estimated Monthly Payment
$5,488
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