98226 — Whatcom County, Washington Market Snapshot
Housing market data for zip code 98226 in Whatcom County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
88 sales in 2026 (year to date)
Median Sale Price
$662,780
Days to Sell
11
Homes Sold
88
Inventory
87
Sale-to-List
100.0%
New Listings
168
Price/SqFt
$408
Pending Sales
130
Conforming Loan Available
Most homebuyers in 98226 can comfortably use conventional financing. The median home price of $662,780 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
98226 is an extremely competitive market with homes selling in just 11 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 98226 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 98226 can comfortably use conventional financing. The median home price of $662,780 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 98226 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 98226
To purchase the median home at $662,780 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,228.
Monthly Payment
$5,228
Income Required
$224,058
Principal & Interest
$4,084/mo
Down Payment (5%)
$33,139
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 98226.
Estimated Monthly Payment
$4,252
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