Spokane County, Washington home prices
Typical home $419,205 · +0.2% in a year · property tax 0.84%
The typical home in Spokane County is worth $419,205, 29% less than the Washington typical home ($587,533). Values changed +0.2% in the past year and +8.5% over five years. Homeowners here pay a median 0.84% of their home's value in property tax each year ($3,505 on the typical home), versus 0.81% statewide.
Mortgage on the typical Spokane County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $83,841 | $335,364 | $2,256 | $0 | $502 | $2,758 | $118,200 |
| 10% down | $41,920 | $377,284 | $2,538 | $157 | $502 | $3,197 | $137,000 |
| 5% down | $20,960 | $398,244 | $2,679 | $166 | $502 | $3,347 | $143,400 |
| 3.5% down (FHA) | $14,672 | $411,612 | $2,769 | $185 | $502 | $3,456 | $148,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.84% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Washington · part of the Spokane metro area.
Washington counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Cowlitz County | $417,827 | +0.1% | 0.82% |
| Franklin County | $416,391 | +0.4% | 0.73% |
| Walla Walla County | $413,682 | +0.5% | 0.85% |
| Lewis County | $428,499 | +1.4% | 0.67% |
| Wahkiakum County | $395,938 | +1.2% | 0.6% |
| Benton County | $446,007 | +0.4% | 0.78% |
| Mason County | $447,199 | +0.2% | 0.73% |
| Klickitat County | $469,127 | +1.7% | 0.62% |
| Pend Oreille County | $368,749 | -0.1% | 0.58% |
| Stevens County | $367,926 | +0.5% | 0.59% |
Frequently asked questions
What is the average home price in Spokane County, WA?
The typical home value in Spokane County is $419,205 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Spokane County?
About $118,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Spokane County?
The median effective rate is 0.84% of home value a year (Census ACS 2024 5-year estimates).