98940 — Kittitas County, Washington Market Snapshot
Housing market data for zip code 98940 in Kittitas County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$601,975
Days to Sell
30
Homes Sold
12
Inventory
27
Sale-to-List
98.5%
New Listings
33
Price/SqFt
$348
Pending Sales
11
Conforming Loan Available
Most homebuyers in 98940 can comfortably use conventional financing. The median home price of $601,975 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
98940's market is balanced with homes taking an average of 30 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 98940 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98940 can comfortably use conventional financing. The median home price of $601,975 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 98940 are set at the county level.
2026 Loan Limits — Kittitas 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 98940
To purchase the median home at $601,975 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,762.
Monthly Payment
$4,762
Income Required
$204,092
Principal & Interest
$3,709/mo
Down Payment (5%)
$30,099
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 98940.
Estimated Monthly Payment
$3,875
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