99205 — Spokane County, Washington Market Snapshot
Housing market data for zip code 99205 in Spokane County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
186 sales in 2026 (year to date)
Median Sale Price
$335,000
Days to Sell
16
Homes Sold
186
Inventory
125
Sale-to-List
100.1%
New Listings
279
Price/SqFt
$188
Pending Sales
241
Conforming Loan Available
Most homebuyers in 99205 can comfortably use conventional financing. The median home price of $335,000 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
Homes in 99205 are moving quickly at 16 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 99205 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 99205 can comfortably use conventional financing. The median home price of $335,000 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 99205 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 99205
To purchase the median home at $335,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,717.
Monthly Payment
$2,717
Income Required
$116,428
Principal & Interest
$2,064/mo
Down Payment (5%)
$16,750
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 99205.
Estimated Monthly Payment
$2,223
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