98611 — Cowlitz County, Washington Market Snapshot
Housing market data for zip code 98611 in Cowlitz 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
$487,500
Days to Sell
78
Homes Sold
16
Inventory
34
Sale-to-List
98.5%
New Listings
38
Price/SqFt
$289
Pending Sales
19
Conforming Loan Available
Most homebuyers in 98611 can comfortably use conventional financing. The median home price of $487,500 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 78 days on average, 98611 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 98611 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98611 can comfortably use conventional financing. The median home price of $487,500 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 98611 are set at the county level.
2026 Loan Limits — Cowlitz 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 98611
To purchase the median home at $487,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,885.
Monthly Payment
$3,885
Income Required
$166,503
Principal & Interest
$3,004/mo
Down Payment (5%)
$24,375
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 98611.
Estimated Monthly Payment
$3,167
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