Español

Este sitio también está en español. Leer en español

City · 5,345 residents · Stevens County, Washington

Suncrest , Washington

In Suncrest, a typical home is worth $522,500. Compared with all of Stevens County, the typical home value is 49% higher, typical household income is 46% higher, and the share of households that own their home is 16 points higher.

WhatsApp

  • Typical home value

    $522,500

    49% above the county

    7% below Washington

    • Suncrest
    • Stevens
    • Washington

  • Typical household income

    $100,952a year

    46% above the county

    3% above Washington

    • Suncrest
    • Stevens
    • Washington

  • Households that own their home

    96%

    16 points above the county

    32 points above Washington

    • Suncrest
    • Stevens
    • Washington

Source: U.S. Census Bureau, Average 2020–2024

Suncrest is in Stevens 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 Stevens County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Suncrest apart

What this place has that others do not, from public data, most unusual first.

  1. Suncrest has the 2nd highest homeownership rate of the 191 cities in Washington with more than 5,000 people (96%).

  2. The typical home in Suncrest is worth $522,500, 49% more than in Stevens County as a whole ($350,600).

  3. The typical household income in Suncrest is $100,952, 46% more than in Stevens County as a whole ($69,327).

  4. Nearby, in Airway Heights, the typical home value is $348,500: 33% less than in Suncrest ($522,500).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Suncrest

What homes there are in Suncrest, 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

The detached house rules in Suncrest: 92% of homes, more than in Stevens County (75%).

Year built

Here half of the homes date from 1993 or later; in Stevens County, from 1985 or later.

Homes in Suncrest are bigger: 94% have 3 bedrooms or more; in Stevens County, 64%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,085 a month

Stevens County: $1,694 a month

Without a mortgage

$657 a month

Stevens County: $489 a month

Owners with a mortgage

70%

Stevens County: 50%

In Suncrest, 70% of owners have a mortgage, and their typical cost is $2,085 a month, against $1,694 in Stevens County. Without one it drops to $657.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The boundaries of Suncrest changed since 2015–2019, so the Census does not compare its figures from then and now. In Stevens County, the typical home value rose 76%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureSuncrestStevens CountyWashingtonUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.5%5.5%
Homeowner vacancy Unreliable estimate1.2%0.7%0.9%
More than one person per room Unreliable estimate4.0%3.5%3.4%
People per household 2.752.472.502.53
Drive alone 75%77%63%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 15%11%20%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Suncrest are bigger: 2.75 people on average; in Stevens County, 2.47.

Many people here do not commute at all: 15% work from home; in Stevens County, 11%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Suncrest?

A typical home costs more than the typical income allows

We start with a typical home in Suncrest, worth $522,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in Suncrest, which is $100,952 a year. For that payment to be 28% of income, a household would need to earn about $181,993 a year.

The calculator's FHA and conventional loan limits are those of all of Stevens County.

Your numbers

Local data
$

Starts at the typical home value in Suncrest. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $18,288 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$4,247

at 7.18% · 30 years

Loan amount
$513,036
Total interest
$738,138
Paid off in
November 2056

Includes $8,824 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,356 a month

  • Tight

    $2,356 to $3,029 a month

  • Hard

    more than $3,029 a month

    Your payment · 50%

Compared with the typical household income in Suncrest ($100,952 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,247
Principal & interest$3,475
Property tax$322
Home insurance$218
FHA mortgage insurance (MIP)$231

You need at least $18,288 for the down payment, plus closing costs.

Next step

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.

The city and its county

Suncrest and Stevens County

Suncrest is in Stevens 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).

Suncrest's own numbers

Typical home value
$522,500
Typical yearly household income
$100,952
Households that own their home
96%
Effective property tax rate
0.74%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Stevens County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,121
Price change over 5 years (FHFA)
+51%

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 Stevens County.

Everything about Stevens County

Buying

Buying a home in Suncrest

A typical home in Suncrest is worth $522,500: 49% above the county and 7% below Washington. With the typical household income in Suncrest ($100,952 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.

  • Suncrest 5.2 years
  • Stevens 5.1 years
  • Washington 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Stevens County

According to FHFA’s house price index, home prices in Stevens County rose 113% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Stevens County.

Period County Washington U.S.
Last year (2025) −1.8% +1.8% +2.9%
5 years (2020–2025) +51% +44% +47%
10 years (2015–2025) +113% +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

Suncrest next to Stevens 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
  • Suncrest $522,500
  • Stevens $350,600
  • Washington $564,600
  • United States $332,700
Typical yearly household income
  • Suncrest $100,952
  • Stevens $69,327
  • Washington $98,141
  • United States $80,734
See the full table
Suncrest next to Stevens County and Washington
Measure Suncrest Stevens County Washington U.S.
Typical home value $522,500 $350,600 $564,600 $332,700
Typical yearly household income $100,952 $69,327 $98,141 $80,734
Households that own their home 96% 80% 64% 65%
Typical yearly property tax $3,854 $2,065 $4,556 $3,119
Effective property tax rate 0.74% 0.59% 0.81% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Stevens 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 Suncrest

For a typical $522,500 home in Suncrest, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Suncrest's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,247a month

    Least cash to close
    Down payment
    $18,288
    Cash to close
    $33,963
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $231

  • Conventional, 5% down $4,151a month

    Down payment
    $26,125
    Cash to close
    $41,800
    Rate
    7.18%
    Mortgage insurance
    PMI · $248

  • Conventional, 20% down, no PMI $3,372a month

    Down payment
    $104,500
    Cash to close
    $120,175
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,855a month

    Down payment
    $78,375
    Cash to close
    $94,050
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Suncrest and for Stevens County.

Property tax

Effective rate in Suncrest

0.74%of the home’s value each year

$3,854 a year for the typical owner in Suncrest.

  • Suncrest 0.74%
  • Stevens 0.59%
  • Washington 0.81%

What Washington publishes Exemption for people 61 and older or with disabilities (Washington State Department of Revenue)

Exemptions and deadlines in Washington

Flood risk in Stevens County

FEMA does not publish these numbers by city: they are for all of Stevens County.

FEMA’s maps count no homes in the high-risk zone in Stevens County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Suncrest

The Census Bureau publishes no typical rent for Suncrest. Below are the fair market rents for Stevens County.

HUD publishes a fair market rent for all of Stevens County, by unit size. To pay the 2-bedroom one ($1,121 a month) without spending more than 30% of your income, you would need to earn $21.56 an hour working full time.

HUD fair market rent for all of Stevens County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $855 $16.44 $34,200
1 bedroom $878 $16.88 $35,120
2 bedrooms $1,121 $21.56 $44,840
3 bedrooms $1,552 $29.85 $62,080
4 bedrooms $1,874 $36.04 $74,960

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 Suncrest

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Suncrest is in ZIP code 99026.

For 2 bedrooms it is $1,380: $259 more than the fair market rent for Stevens County ($1,121).

  • 99026 $1,380$1,900

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Suncrest 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Suncrest

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 is 1 HUD-approved agency with an office in Stevens County; none says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Suncrest

No down payment, repair or rent-help program on our list is for Suncrest or Stevens County. The ones below are statewide in Washington: they work in Suncrest the same as in the rest of the state.

Which programs do I qualify for? All programs in Washington

  • Home Advantage Downpayment Assistance

    Statewide in Washington

    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.

    Deferred

    See the program Official page

  • Covenant Homeownership Program

    Statewide in Washington

    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.

    Deferred

    See the program Official page

  • House Key Opportunity DPA

    Statewide in Washington

    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.

    Deferred

    See the program Official page

Housing counselors near Suncrest

The HUD-approved agencies closest to the center of Suncrest, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Spokane Neighborhood Action Partners

    3102 W Whistalks Way, Spokane · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (509) 456-7627

  • Community Frameworks

    907 W Riverside Ave, Spokane · 15 miles away

    • Home improvement and repairs
    • Workshops for new owners
    • and 2 more
    (509) 484-6733

  • Rural Resources Community Action

    956 S Main St, Colville · 50 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (509) 685-6055

Every agency in Stevens County All counseling agencies in Washington

Help in Spanish near Suncrest

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Suncrest

HUD lists no housing authority with an office in Stevens County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Washington Source: HUD

Cities

Nearby cities

The cities closest to Suncrest, with the typical home value.

Everything about Stevens County Housing in Washington

Neighboring counties

If Stevens County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Suncrest.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Suncrest

Short answers with the numbers for Suncrest and all of Stevens 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 Suncrest?

The typical home value in Suncrest is $522,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Stevens County it is $350,600.

What is the FHA loan limit in Suncrest?

Suncrest uses the FHA limit for all of Stevens 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 Suncrest?

The typical homeowner in Suncrest pays $3,854 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Stevens County, the rate is 0.59%.

Where can I find free help to buy or rent in Suncrest?

There is 1 HUD-approved counseling agency with an office in Stevens County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).