98446 — Pierce County, Washington Market Snapshot
Housing market data for zip code 98446 in Pierce County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$627,475
Days to Sell
29
Homes Sold
44
Inventory
49
Sale-to-List
99.9%
New Listings
68
Price/SqFt
$284
Pending Sales
52
Conforming Loan Available
Most homebuyers in 98446 can comfortably use conventional financing. The median home price of $627,475 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 98446 are moving quickly at 29 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 98446 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98446 can comfortably use conventional financing. The median home price of $627,475 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 98446 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 98446
To purchase the median home at $627,475 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,958.
Monthly Payment
$4,958
Income Required
$212,465
Principal & Interest
$3,866/mo
Down Payment (5%)
$31,374
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 98446.
Estimated Monthly Payment
$4,033
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