99006 — Spokane County, Washington Market Snapshot
Housing market data for zip code 99006 in Spokane County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
66 sales in 2026 (year to date)
Median Sale Price
$406,075
Days to Sell
67
Homes Sold
66
Inventory
87
Sale-to-List
99.4%
New Listings
91
Price/SqFt
$257
Pending Sales
69
Conforming Loan Available
Most homebuyers in 99006 can comfortably use conventional financing. The median home price of $406,075 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
With homes sitting for 67 days on average, 99006 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 99006 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 99006 can comfortably use conventional financing. The median home price of $406,075 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 99006 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 99006
To purchase the median home at $406,075 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,261.
Monthly Payment
$3,261
Income Required
$139,766
Principal & Interest
$2,502/mo
Down Payment (5%)
$20,304
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 99006.
Estimated Monthly Payment
$2,663
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