99114 — Stevens County, Washington Market Snapshot
Housing market data for zip code 99114 in Stevens County, Washington. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$349,370
Days to Sell
55
Homes Sold
35
Inventory
63
Sale-to-List
98.0%
New Listings
63
Price/SqFt
$186
Pending Sales
52
Conforming Loan Available
Most homebuyers in 99114 can comfortably use conventional financing. The median home price of $349,370 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
99114's market is balanced with homes taking an average of 55 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 99114 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 99114 can comfortably use conventional financing. The median home price of $349,370 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 99114 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 99114
To purchase the median home at $349,370 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,827.
Monthly Payment
$2,827
Income Required
$121,147
Principal & Interest
$2,153/mo
Down Payment (5%)
$17,469
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 99114.
Estimated Monthly Payment
$2,312
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