98012 — Snohomish County, Washington Market Snapshot
Housing market data for zip code 98012 in Snohomish County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
132 sales in 2026 (year to date)
Median Sale Price
$1,026,250
Days to Sell
13
Homes Sold
132
Inventory
118
Sale-to-List
99.9%
New Listings
220
Price/SqFt
$498
Pending Sales
144
Conforming Loan Available
The median home in 98012 at $1,026,250 falls within the 2026 conforming loan limit of $1,063,750, 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
98012 is an extremely competitive market with homes selling in just 13 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 98012 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 98012 at $1,026,250 falls within the 2026 conforming loan limit of $1,063,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 98012 are set at the county level.
2026 Loan Limits — Snohomish 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 98012
To purchase the median home at $1,026,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,013.
Monthly Payment
$8,013
Income Required
$343,406
Principal & Interest
$6,323/mo
Down Payment (5%)
$51,313
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 98012.
Estimated Monthly Payment
$6,501
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