99039 — Spokane County, Washington Market Snapshot
Housing market data for zip code 99039 in Spokane County, Washington. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Spokane County county page for broader data.
Market Sales Data
1 sales in 2022
Median Sale Price
$270,000
Days to Sell
4
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 99039 can comfortably use conventional financing. The median home price of $270,000 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
99039 is an extremely competitive market with homes selling in just 4 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 99039 can comfortably use conventional financing. The median home price of $270,000 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 99039 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 99039
To purchase the median home at $270,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,219.
Monthly Payment
$2,219
Income Required
$95,085
Principal & Interest
$1,664/mo
Down Payment (5%)
$13,500
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 99039.
Estimated Monthly Payment
$1,821
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