98579 — Thurston County, Washington Market Snapshot
Housing market data for zip code 98579 in Thurston 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
$525,000
Days to Sell
17
Homes Sold
23
Inventory
42
Sale-to-List
99.7%
New Listings
53
Price/SqFt
$311
Pending Sales
26
Conforming Loan Available
Most homebuyers in 98579 can comfortably use conventional financing. The median home price of $525,000 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
Homes in 98579 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 98579 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98579 can comfortably use conventional financing. The median home price of $525,000 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 98579 are set at the county level.
2026 Loan Limits — Thurston County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $586,500 |
| 2 Units | $1,066,250 | $750,800 |
| 3 Units | $1,288,800 | $907,550 |
| 4 Units | $1,601,750 | $1,127,900 |
Affordability Snapshot — Zip 98579
To purchase the median home at $525,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,172.
Monthly Payment
$4,172
Income Required
$178,816
Principal & Interest
$3,235/mo
Down Payment (5%)
$26,250
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 98579.
Estimated Monthly Payment
$3,399
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