99217 — Spokane County, Washington Market Snapshot
Housing market data for zip code 99217 in Spokane County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
72 sales in 2026 (year to date)
Median Sale Price
$367,450
Days to Sell
49
Homes Sold
72
Inventory
70
Sale-to-List
99.6%
New Listings
112
Price/SqFt
$228
Pending Sales
80
Conforming Loan Available
Most homebuyers in 99217 can comfortably use conventional financing. The median home price of $367,450 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
99217's market is balanced with homes taking an average of 49 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 99217 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 99217 can comfortably use conventional financing. The median home price of $367,450 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 99217 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 99217
To purchase the median home at $367,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,965.
Monthly Payment
$2,965
Income Required
$127,084
Principal & Interest
$2,264/mo
Down Payment (5%)
$18,373
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 99217.
Estimated Monthly Payment
$2,424
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