98382 — Clallam County, Washington Market Snapshot
Housing market data for zip code 98382 in Clallam County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
115 sales in 2026 (year to date)
Median Sale Price
$584,950
Days to Sell
23
Homes Sold
115
Inventory
163
Sale-to-List
99.3%
New Listings
221
Price/SqFt
$325
Pending Sales
138
Conforming Loan Available
Most homebuyers in 98382 can comfortably use conventional financing. The median home price of $584,950 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
Homes in 98382 are moving quickly at 23 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 98382 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98382 can comfortably use conventional financing. The median home price of $584,950 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 98382 are set at the county level.
2026 Loan Limits — Clallam 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 98382
To purchase the median home at $584,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,632.
Monthly Payment
$4,632
Income Required
$198,502
Principal & Interest
$3,604/mo
Down Payment (5%)
$29,248
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 98382.
Estimated Monthly Payment
$3,770
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