99003 — Spokane County, Washington Market Snapshot
Housing market data for zip code 99003 in Spokane County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$635,000
Days to Sell
36
Homes Sold
17
Inventory
24
Sale-to-List
98.7%
New Listings
32
Price/SqFt
$244
Pending Sales
23
Conforming Loan Available
Most homebuyers in 99003 can comfortably use conventional financing. The median home price of $635,000 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
99003's market is balanced with homes taking an average of 36 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 99003 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 99003 can comfortably use conventional financing. The median home price of $635,000 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 99003 are set at the county level.
2026 Loan Limits — Spokane County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 99003
To purchase the median home at $635,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,015.
Monthly Payment
$5,015
Income Required
$214,936
Principal & Interest
$3,913/mo
Down Payment (5%)
$31,750
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 99003.
Estimated Monthly Payment
$4,080
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