98367 — Kitsap County, Washington Market Snapshot
Housing market data for zip code 98367 in Kitsap County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
138 sales in 2026 (year to date)
Median Sale Price
$675,000
Days to Sell
22
Homes Sold
138
Inventory
102
Sale-to-List
99.8%
New Listings
190
Price/SqFt
$301
Pending Sales
170
Conforming Loan Available
The median home in 98367 at $675,000 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 98367 are moving quickly at 22 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 98367 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 98367 at $675,000 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 98367 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 98367
To purchase the median home at $675,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,322.
Monthly Payment
$5,322
Income Required
$228,070
Principal & Interest
$4,159/mo
Down Payment (5%)
$33,750
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 98367.
Estimated Monthly Payment
$4,327
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