98230 — Whatcom County, Washington Market Snapshot
Housing market data for zip code 98230 in Whatcom County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$495,312
Days to Sell
25
Homes Sold
15
Inventory
27
Sale-to-List
96.8%
New Listings
35
Price/SqFt
$325
Pending Sales
21
Conforming Loan Available
Most homebuyers in 98230 can comfortably use conventional financing. The median home price of $495,312 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 98230 are moving quickly at 25 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 98230 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 98230 can comfortably use conventional financing. The median home price of $495,312 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 98230 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 98230
To purchase the median home at $495,312 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,945.
Monthly Payment
$3,945
Income Required
$169,068
Principal & Interest
$3,052/mo
Down Payment (5%)
$24,766
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 98230.
Estimated Monthly Payment
$3,215
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