98225 — Whatcom County, Washington Market Snapshot
Housing market data for zip code 98225 in Whatcom County, Washington. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Whatcom County county page for broader data.
Market Sales Data
8 sales in 2026 (year to date)
Median Sale Price
$1,237,576
Days to Sell
18
Homes Sold
8
Inventory
6
Jumbo Loan Likely Needed
The median home in 98225 at $1,237,576 exceeds the 2026 conforming loan limit of $832,750 by $404,826. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 98225 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
The median home in 98225 at $1,237,576 exceeds the 2026 conforming loan limit of $832,750 by $404,826. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 98225 are set at the county level.
2026 Loan Limits — Whatcom County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $664,700 |
| 2 Units | $1,066,250 | $850,950 |
| 3 Units | $1,288,800 | $1,028,600 |
| 4 Units | $1,601,750 | $1,278,300 |
Affordability Snapshot — Zip 98225
To purchase the median home at $1,237,576 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,632.
Monthly Payment
$9,632
Income Required
$412,796
Principal & Interest
$7,626/mo
Down Payment (5%)
$61,879
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 98225.
Estimated Monthly Payment
$7,809
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 98225.
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