98328 — Pierce County, Washington Market Snapshot
Housing market data for zip code 98328 in Pierce County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$550,000
Days to Sell
17
Homes Sold
23
Inventory
41
Sale-to-List
101.8%
New Listings
51
Price/SqFt
$352
Pending Sales
31
Conforming Loan Available
Most homebuyers in 98328 can comfortably use conventional financing. The median home price of $550,000 is well below the 2026 conforming loan limit of $1,063,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 98328 are moving quickly at 17 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 98328 (101.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98328 can comfortably use conventional financing. The median home price of $550,000 is well below the 2026 conforming loan limit of $1,063,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 98328 are set at the county level.
2026 Loan Limits — Pierce County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,063,750 | $1,063,750 |
| 2 Units | $1,361,800 | $1,361,800 |
| 3 Units | $1,646,100 | $1,646,100 |
| 4 Units | $2,045,700 | $2,045,700 |
Affordability Snapshot — Zip 98328
To purchase the median home at $550,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,364.
Monthly Payment
$4,364
Income Required
$187,026
Principal & Interest
$3,389/mo
Down Payment (5%)
$27,500
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 98328.
Estimated Monthly Payment
$3,554
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