99163 — Whitman County, Washington Market Snapshot
Housing market data for zip code 99163 in Whitman County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
84 sales in 2026 (year to date)
Median Sale Price
$433,250
Days to Sell
19
Homes Sold
84
Inventory
76
Sale-to-List
99.0%
New Listings
117
Price/SqFt
$224
Pending Sales
124
Conforming Loan Available
Most homebuyers in 99163 can comfortably use conventional financing. The median home price of $433,250 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 99163 are moving quickly at 19 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 99163 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 99163 can comfortably use conventional financing. The median home price of $433,250 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 99163 are set at the county level.
2026 Loan Limits — Whitman County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $579,600 |
| 2 Units | $1,066,250 | $742,000 |
| 3 Units | $1,288,800 | $896,900 |
| 4 Units | $1,601,750 | $1,114,650 |
Affordability Snapshot — Zip 99163
To purchase the median home at $433,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,469.
Monthly Payment
$3,469
Income Required
$148,690
Principal & Interest
$2,670/mo
Down Payment (5%)
$21,663
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 99163.
Estimated Monthly Payment
$2,831
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