99026 — Spokane County, Washington Market Snapshot
Housing market data for zip code 99026 in Spokane County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$618,500
Days to Sell
59
Homes Sold
26
Inventory
40
Sale-to-List
97.8%
New Listings
60
Price/SqFt
$228
Pending Sales
39
Conforming Loan Available
Most homebuyers in 99026 can comfortably use conventional financing. The median home price of $618,500 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
99026's market is balanced with homes taking an average of 59 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 99026 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 99026 can comfortably use conventional financing. The median home price of $618,500 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 99026 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 99026
To purchase the median home at $618,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,889.
Monthly Payment
$4,889
Income Required
$209,518
Principal & Interest
$3,811/mo
Down Payment (5%)
$30,925
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 99026.
Estimated Monthly Payment
$3,978
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