City · 230,293 residents · Spokane County, Washington
Spokane, Washington
In Spokane, a typical home is worth $363,500 and typical rent is $1,215 a month. Compared with all of Spokane County, the typical home value is 11% lower, typical household income is 11% lower, and the share of households that own their home is 6 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $365,548 to $392,803.
Typical rent
$1,483a month
▲ 3.9% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,330 to $1,483.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Spokane is in Spokane County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Spokane County. See the county
What this place has that others do not, from public data, most unusual first.
1
59% of households in Spokane own their home, against 64% in Spokane County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Spokane
What homes there are in Spokane, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Spokane
Spokane County
Washington
United States
Kind of home: Spokane and its comparisons
Measure
Spokane
Spokane County
Washington
United States
Detached house
64%
65%
62%
61%
Attached house
3%
4%
4%
6%
Building of 2 to 4
7%
6%
6%
8%
Apartments (5 or more)
24%
20%
22%
19%
Mobile home
1%
5%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
As in Spokane County, most homes in Spokane are detached houses (64%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Spokane
Spokane County
Washington
United States
Year built: Spokane and its comparisons
Measure
Spokane
Spokane County
Washington
United States
Before 1960
50%
31%
21%
26%
1960–1979
19%
22%
23%
24%
1980–1999
16%
21%
27%
25%
2000–2009
7%
13%
15%
14%
2010 or later
8%
13%
14%
11%
In Spokane, half of the homes were built before 1961; in Spokane County, before 1978.
Homes in Spokane are smaller: 54% have 3 bedrooms or more; in Spokane County, 62%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K4%
$100K–$200K8%
$200K–$300K21%
$300K–$500K45%
$500K–$750K15%
FHA limit: $541,287
$750K–$1M4%
$1M or more3%
Value of owner-occupied homes: Spokane and its comparisons
Measure
Spokane
Under $100K
4%
$100K–$200K
8%
$200K–$300K
21%
$300K–$500K
45%
$500K–$750K
15%
$750K–$1M
4%
$1M or more
3%
The FHA loan limit for Spokane County is $541,287, and about 81% of owner-occupied homes in Spokane are worth less than that.
Monthly rent with utilities
Under the limitOver the limit
Under $5008%
$500–$99924%
$1,000–$1,49939%
HUD fair market rent, 2 bedrooms: $1,494
$1,500–$1,99919%
$2,000–$2,4998%
$2,500–$2,9992%
$3,000 or more2%
Monthly rent with utilities: Spokane and its comparisons
Measure
Spokane
Under $500
8%
$500–$999
24%
$1,000–$1,499
39%
$1,500–$1,999
19%
$2,000–$2,499
8%
$2,500–$2,999
2%
$3,000 or more
2%
By rent, most homes in Spokane cost less than HUD's 2-bedroom fair market rent ($1,494): about 69%.
With a mortgage
$1,753 a month
Spokane County: $1,875 a month
Without a mortgage
$623 a month
Spokane County: $647 a month
Owners with a mortgage
67%
Spokane County: 65%
The typical cost for an owner with a mortgage in Spokane is $1,753 a month, less than in Spokane County ($1,875); without one, $623.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Spokane+94%
Spokane County+83%
Washington+67%
United States+53%
Typical rent
Spokane+40%
Spokane County+41%
Washington+40%
United States+33%
Typical household income
Spokane+39%
Spokane County+38%
Washington+33%
United States+29%
Change since 2015–2019: Spokane and its comparisons
Measure
Spokane
Spokane County
Washington
United States
Typical home value
+94%
+83%
+67%
+53%
Typical rent
+40%
+41%
+40%
+33%
Typical household income
+39%
+38%
+33%
+29%
Since 2015–2019, homes in Spokane gained value faster than in Spokane County: 94% against 83%.
The typical rent in Spokane rose 40% since 2015–2019, about the same as in Spokane County (41%).
The typical household income in Spokane rose 39% over that time; home values changed +94% and rent +40%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Spokane and its comparisons
Measure
Spokane
Spokane County
Washington
United States
Rental vacancy
3.8%
3.9%
4.5%
5.5%
Homeowner vacancy
0.5%
0.7%
0.7%
0.9%
More than one person per room
2.3%
2.4%
3.5%
3.4%
People per household
2.29
2.44
2.50
2.53
Drive alone
67%
70%
63%
69%
Carpool
9%
9%
9%
9%
Public transit
3%
2%
3%
3%
Walk or bike
5%
3%
4%
3%
Work from home
15%
16%
20%
15%
Other means
1%
1%
1%
2%
Typical commute
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Open rentals in Spokane look like those in Spokane County: the rental vacancy rate is 3.8%.
More than one person per room: that is how 2.3% of households in Spokane live, near the figure in Spokane County (2.4%).
Fewer people live in each home here: 2.29 on average, against 2.44 in Spokane County.
The car rules in Spokane: 67% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Spokane?
A typical home costs more than the typical income allows
We start with a typical home in Spokane, worth $363,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Spokane, which is $70,064 a year. For that payment to be 28% of income, a household would need to earn about $127,520 a year.
The calculator's FHA and conventional loan limits are those of all of Spokane County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Spokane. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $12,723 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,975
at 7.18% · 30 years
Loan amount
$356,916
Total interest
$513,518
Paid off in
November 2056
Includes $6,139 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,635 a month
Tight
$1,635 to $2,102 a month
Hard
more than $2,102 a month
Your payment · 51%
Compared with the typical household income in Spokane ($70,064 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,418
Property tax
$245
Home insurance
$152
FHA mortgage insurance (MIP)
$161
You need at least $12,723 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,975; principal and interest $2,418.
The city and its county
Spokane and Spokane County
Spokane is in Spokane County, Washington. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Spokane
Map of Spokane County, Washington, with Spokane marked. Around it, the neighboring counties.
Spokane
Spokane County
Other cities with a page
Spokane's own numbers
Typical home value
$363,500
Typical monthly rent
$1,215
Typical yearly household income
$70,064
Households that own their home
59%
Effective property tax rate
0.81%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Spokane County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,494
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
0.4%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Spokane County.
A typical home in Spokane is worth $363,500: 11% below the county and 36% below Washington. With the typical household income in Spokane ($70,064 a year), a typical home costs 5.2 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Spokane5.2 years
County5.2 years
Washington5.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Spokane County
According to FHFA’s house price index, home prices in Spokane County rose 136% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Spokane County.
Yearly change in FHFA’s price index in Spokane County, 2016 to 2025
2016: +7.5% +7.5% 2016
2017: +9.2% +9.2% 2017
2018: +11.4% +11.4% 2018
2019: +11.2% +11.2% 2019
2020: +7.3% +7.3% 2020
2021: +20.5% +20.5% 2021
2022: +18.5% +18.5% 2022
2023: +0.7% +0.7% 2023
2024: +2.2% +2.2% 2024
2025: +2.6% +2.6% 2025
Change in FHFA’s price index in Spokane County, Washington and the United States
Period
County
Washington
U.S.
Last year (2025)
+2.6%
+1.8%
+2.9%
5 years (2020–2025)
+51%
+44%
+47%
10 years (2015–2025)
+136%
+113%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Spokane next to Spokane County, Washington and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Spokane$363,500
County$410,700
Washington$564,600
United States$332,700
Typical monthly rent
Spokane$1,215
County$1,283
Washington$1,760
United States$1,413
Typical yearly household income
Spokane$70,064
County$78,582
Washington$98,141
United States$80,734
See the full table
Spokane next to Spokane County and Washington
Measure
Spokane
Spokane County
Washington
U.S.
Typical home value
$363,500 ▼11% below the county
$410,700
$564,600
$332,700
Typical monthly rent
$1,215 ▼5% below the county
$1,283
$1,760
$1,413
Typical yearly household income
$70,064 ▼11% below the county
$78,582
$98,141
$80,734
Households that own their home
59% ▼6 points below the county
64%
64%
65%
Typical yearly property tax
$2,947 ▼14% below the county
$3,434
$4,556
$3,119
Effective property tax rate
0.81% ▼0.03 points below the county
0.84%
0.81%
0.94%
Renters with high rent for their income
53% ▲1 points above the county
52%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Spokane County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Spokane
For a typical $363,500 home in Spokane, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Spokane's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,975a month
Least cash to close
Down payment
$12,723
Cash to close
$23,628
Rate
7.18%
Mortgage insurance
FHA MIP · $161
Conventional, 5% down$2,909a month
Down payment
$18,175
Cash to close
$29,080
Rate
7.18%
Mortgage insurance
PMI · $173
Conventional, 20% down, no PMI$2,367a month
Down payment
$72,700
Cash to close
$83,605
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,703a month
Down payment
$54,525
Cash to close
$65,430
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Spokane
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,975
$12,723
$356,916
7.18%
FHA MIP · $161
$23,628
580
Conventional, 5% down
$2,909
$18,175
$345,325
7.18%
PMI · $173
$29,080
620*
Conventional, 20% down, no PMI
$2,367
$72,700
$290,800
7.18%
None
$83,605
620*
ITIN, 15% down (example)
$2,703
$54,525
$308,975
8.18%
None
$65,430
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Spokane is $1,215 a month: 5% below the county. In Spokane, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Spokane County, by unit size. To pay the 2-bedroom one ($1,494 a month) without spending more than 30% of your income, you would need to earn $28.73 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Spokane County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,116
$21.46
$44,640
1 bedroom
$1,173
$22.56
$46,920
2 bedrooms
$1,494
$28.73
$59,760
3 bedrooms
$2,047
$39.37
$81,880
4 bedrooms
$2,497
$48.02
$99,880
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Spokane
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Spokane has 9 ZIP codes with their own.
For 2 bedrooms it runs from $1,380 in 99201 to $1,570 in 99208.
3 of the 9 are above the fair market rent for Spokane County ($1,494).
2-bedroom fair market rent in each of the 9 ZIP codes of Spokane, beside the one for Spokane County. For 2 bedrooms it runs from $1,380 in 99201 to $1,570 in 99208. 3 of the 9 are above the fair market rent for Spokane County ($1,494).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,494
Lowest: $1,380 (99201)Highest: $1,570 (99208)
Fair market rent by ZIP code and size in Spokane, fiscal year 2027.
99201
$1,000
$1,080
$1,380
$1,880
$2,260
99202
$1,020
$1,080
$1,380
$1,880
$2,270
99203
$1,080
$1,130
$1,440
$1,970
$2,410
99204
$1,000
$1,080
$1,380
$1,880
$2,260
99205
$1,130
$1,190
$1,510
$2,070
$2,520
99207
$1,070
$1,120
$1,430
$1,960
$2,390
99208
$1,170
$1,230
$1,570
$2,150
$2,620
99224
$1,160
$1,220
$1,560
$2,140
$2,610
99258
$1,020
$1,080
$1,380
$1,880
$2,270
ZIP code2 bd3 bd
99201 $1,380$1,880
99202 $1,380$1,880
99203 $1,440$1,970
99204 $1,380$1,880
99205 $1,510$2,070
99207 $1,430$1,960
99208 $1,570$2,150
99224 $1,560$2,140
99258 $1,380$1,880
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Spokane when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 81 buildings with rents for lower incomes in Spokane. These are the largest.
Vintage at Spokane43 E Weile Ave, Spokane 99208287 homes, 280 low-income · Studio: 8 · 1 bd: 125 · 2 bd: 154 · In service since 2008 · For older adults, people with disabilities
Forest Creek Apartments13110 N Addison St, Spokane 99208252 homes, 248 low-income · 1 bd: 65 · 2 bd: 122 · 3 bd: 65 · In service since 2008 · For people with disabilities, families
Copper River Apartments2865 W Elliott Dr, Spokane 99224240 homes, 237 low-income · 1 bd: 48 · 2 bd: 132 · 3 bd: 60 · In service since 2018 · For people with disabilities, families
Copper Hill3210 E 44th Ave, Spokane 99223232 homes, 230 low-income · 1 bd: 50 · 2 bd: 128 · 3 bd: 54 · In service since 2012 · For people with disabilities, families
Clare View Seniors Apartments3202 E 44th Ave, Spokane 99223185 homes, 183 low-income · Studio: 14 · 1 bd: 110 · 2 bd: 61 · In service since 2013 · For older adults, people with disabilities, families
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 2 HUD-approved agencies with an office in Spokane County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Spokane or Spokane County. The ones below are statewide in Washington: they work in Spokane the same as in the rest of the state.
Washington state commission 0% second mortgage for 3%, 4% or 5% of the first mortgage, with no monthly payments; you do not need to be a first-time buyer.Offered by Washington State Housing Finance Commission.
Washington state commission loan with no monthly payments of up to 20% of the price (maximum $150,000) plus closing costs, for first-time buyers whose family lived in Washington before 1968 and belonged to a group affected by housing discrimination, including Hispanic people.Offered by Washington State Housing Finance Commission.
Washington state commission loan of up to $15,000 at 1% simple interest, with no monthly payments, for the down payment and closing costs of first-time buyers with the House Key Opportunity mortgage.Offered by Washington State Housing Finance Commission.
No legal help resource on our list is for Spokane or Spokane County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Spokane and all of Spokane County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Spokane?
The typical home value in Spokane is $363,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Spokane County it is $410,700.
How much does it cost to rent in Spokane?
Typical rent in Spokane is $1,215 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Spokane County is $1,494.
What is the FHA loan limit in Spokane?
Spokane uses the FHA limit for all of Spokane County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Spokane?
The typical homeowner in Spokane pays $2,947 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Spokane County, the rate is 0.84%.
Where can I find free help to buy or rent in Spokane?
There are 2 HUD-approved counseling agencies with an office in Spokane County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
