99025 — Spokane County, Washington Market Snapshot
Housing market data for zip code 99025 in Spokane County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$454,950
Days to Sell
12
Homes Sold
12
Inventory
24
Sale-to-List
98.0%
New Listings
30
Price/SqFt
$357
Pending Sales
14
Conforming Loan Available
Most homebuyers in 99025 can comfortably use conventional financing. The median home price of $454,950 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
99025 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
The average home in 99025 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 99025 can comfortably use conventional financing. The median home price of $454,950 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 99025 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 99025
To purchase the median home at $454,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,636.
Monthly Payment
$3,636
Income Required
$155,815
Principal & Interest
$2,803/mo
Down Payment (5%)
$22,748
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 99025.
Estimated Monthly Payment
$2,966
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