98645 — Cowlitz County, Washington Market Snapshot
Housing market data for zip code 98645 in Cowlitz County, Washington. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 6 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Cowlitz County county page for broader data.
Market Sales Data
6 sales in 2026 (year to date)
Median Sale Price
$454,500
Days to Sell
39
Homes Sold
6
Inventory
3
Conforming Loan Available
Most homebuyers in 98645 can comfortably use conventional financing. The median home price of $454,500 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
98645's market is balanced with homes taking an average of 39 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 98645 can comfortably use conventional financing. The median home price of $454,500 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 98645 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 98645
To purchase the median home at $454,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,632.
Monthly Payment
$3,632
Income Required
$155,667
Principal & Interest
$2,800/mo
Down Payment (5%)
$22,725
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 98645.
Estimated Monthly Payment
$2,963
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