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Spokane Valley city, WA

ZIP 99206 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 99206

Median Home Value
$362,100
Median Rent
$1,030
Affordability Snapshot
$100,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,326/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.8x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

29.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 99206 in Spokane Valley city, WA, a household would need roughly $100,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,326. That is about 32% above the local median household income ($75,538), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
61.6%-6% vs US avg
x
Vacancy Rate
3.7%-64% vs US avg
x
Broadband Access
92.2%+6% vs US avg
x
4+ Bedrooms
6.8%-54% vs US avg
x
Built Pre-1939
5.8%-55% vs US avg
x
Built Post-2014
1.4%-79% vs US avg
x
Rent Burden >30%
21.9%-56% vs US avg
x
Mortgage-Free
35.5%-7% vs US avg
x
$362,100
Home Value
$1,030
Rent
1977
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached64.3%
  • 1-unit attached8.2%
  • 2-9 units11.7%
  • 10+ units12.9%
  • Mobile home & other2.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$362,100
Median rent$1,030
Owner-occupied61.6%
Vacant3.7%
Price-to-income4.8x
Est. income to buy$100,000