99204 — Spokane County, Washington Market Snapshot
Housing market data for zip code 99204 in Spokane County, Washington. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes 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
2 sales in 2026 (year to date)
Median Sale Price
$439,450
Days to Sell
68
Homes Sold
2
Inventory
9
Conforming Loan Available
Most homebuyers in 99204 can comfortably use conventional financing. The median home price of $439,450 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
With homes sitting for 68 days on average, 99204 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 99204 can comfortably use conventional financing. The median home price of $439,450 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 99204 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 99204
To purchase the median home at $439,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,517.
Monthly Payment
$3,517
Income Required
$150,725
Principal & Interest
$2,708/mo
Down Payment (5%)
$21,973
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 99204.
Estimated Monthly Payment
$2,870
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