98346 — Kitsap County, Washington Market Snapshot
Housing market data for zip code 98346 in Kitsap County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
48 sales in 2026 (year to date)
Median Sale Price
$775,000
Days to Sell
14
Homes Sold
48
Inventory
41
Sale-to-List
100.0%
New Listings
71
Price/SqFt
$358
Pending Sales
55
Conforming Loan Available
The median home in 98346 at $775,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 98346 are moving quickly at 14 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 98346 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 98346 at $775,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 98346 are set at the county level.
2026 Loan Limits — Kitsap County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $616,400 |
| 2 Units | $1,066,250 | $789,100 |
| 3 Units | $1,288,800 | $953,850 |
| 4 Units | $1,601,750 | $1,185,400 |
Affordability Snapshot — Zip 98346
To purchase the median home at $775,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,088.
Monthly Payment
$6,088
Income Required
$260,906
Principal & Interest
$4,775/mo
Down Payment (5%)
$38,750
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 98346.
Estimated Monthly Payment
$4,946
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