99203 — Spokane County, Washington Market Snapshot
Housing market data for zip code 99203 in Spokane County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
64 sales in 2026 (year to date)
Median Sale Price
$537,000
Days to Sell
12
Homes Sold
64
Inventory
73
Sale-to-List
99.8%
New Listings
148
Price/SqFt
$218
Pending Sales
94
Conforming Loan Available
Most homebuyers in 99203 can comfortably use conventional financing. The median home price of $537,000 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
99203 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
Homes are selling very close to asking price in 99203 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 99203 can comfortably use conventional financing. The median home price of $537,000 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 99203 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 99203
To purchase the median home at $537,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,264.
Monthly Payment
$4,264
Income Required
$182,757
Principal & Interest
$3,309/mo
Down Payment (5%)
$26,850
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 99203.
Estimated Monthly Payment
$3,473
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