99157 — Stevens County, Washington Market Snapshot
Housing market data for zip code 99157 in Stevens 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 Stevens County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$169,685
Days to Sell
45
Homes Sold
2
Inventory
4
Conforming Loan Available
Most homebuyers in 99157 can comfortably use conventional financing. The median home price of $169,685 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
99157's market is balanced with homes taking an average of 45 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 99157 can comfortably use conventional financing. The median home price of $169,685 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 99157 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 99157
To purchase the median home at $169,685 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,450.
Monthly Payment
$1,450
Income Required
$62,146
Principal & Interest
$1,046/mo
Down Payment (5%)
$8,484
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 99157.
Estimated Monthly Payment
$1,200
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 99157. Tell us what you're looking for.