98380 — Kitsap County, Washington Market Snapshot
Housing market data for zip code 98380 in Kitsap County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$750,000
Days to Sell
7
Homes Sold
18
Inventory
20
Sale-to-List
100.4%
New Listings
27
Price/SqFt
$336
Pending Sales
22
Conforming Loan Available
The median home in 98380 at $750,000 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
98380 is an extremely competitive market with homes selling in just 7 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 98380 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 98380 at $750,000 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 98380 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 98380
To purchase the median home at $750,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,896.
Monthly Payment
$5,896
Income Required
$252,697
Principal & Interest
$4,621/mo
Down Payment (5%)
$37,500
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 98380.
Estimated Monthly Payment
$4,792
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