98276 — Whatcom County, Washington Market Snapshot
Housing market data for zip code 98276 in Whatcom County, Washington. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 6 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
6 sales in 2026 (year to date)
Median Sale Price
$480,312
Days to Sell
10
Homes Sold
6
Inventory
6
Conforming Loan Available
Most homebuyers in 98276 can comfortably use conventional financing. The median home price of $480,312 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
98276 is an extremely competitive market with homes selling in just 10 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 98276 can comfortably use conventional financing. The median home price of $480,312 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 98276 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 98276
To purchase the median home at $480,312 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,830.
Monthly Payment
$3,830
Income Required
$164,143
Principal & Interest
$2,960/mo
Down Payment (5%)
$24,016
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 98276.
Estimated Monthly Payment
$3,123
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