99301 — Franklin County, Washington Market Snapshot
Housing market data for zip code 99301 in Franklin County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
228 sales in 2026 (year to date)
Median Sale Price
$445,425
Days to Sell
61
Homes Sold
228
Inventory
227
Sale-to-List
99.4%
New Listings
323
Price/SqFt
$266
Pending Sales
267
Conforming Loan Available
Most homebuyers in 99301 can comfortably use conventional financing. The median home price of $445,425 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 61 days on average, 99301 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 99301 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 99301 can comfortably use conventional financing. The median home price of $445,425 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 99301 are set at the county level.
2026 Loan Limits — Franklin 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 99301
To purchase the median home at $445,425 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,563.
Monthly Payment
$3,563
Income Required
$152,687
Principal & Interest
$2,745/mo
Down Payment (5%)
$22,271
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 99301.
Estimated Monthly Payment
$2,907
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