99131 — Stevens County, Washington Market Snapshot
Housing market data for zip code 99131 in Stevens 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 Stevens County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$680,000
Days to Sell
82
Homes Sold
1
Inventory
1
Conforming Loan Available
The median home in 99131 at $680,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 82 days on average, 99131 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 99131 at $680,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 99131 are set at the county level.
2026 Loan Limits — Stevens 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 99131
To purchase the median home at $680,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,360.
Monthly Payment
$5,360
Income Required
$229,712
Principal & Interest
$4,190/mo
Down Payment (5%)
$34,000
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 99131.
Estimated Monthly Payment
$4,358
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