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Spokane city, WA

ZIP 99217 — 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 99217

Median Home Value
$329,300
Median Rent
$1,147
Affordability Snapshot
$91,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,115/mo PITI).

19%
Rent-to-Income Ratio

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

4.6x
Home Price-to-Income Ratio

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

23.9 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 99217 in Spokane city, WA, a household would need roughly $91,000 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 $2,115. That is about 27% above the local median household income ($71,807), 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
67.9%+4% vs US avg
x
Vacancy Rate
2.4%-77% vs US avg
x
Broadband Access
89.3%+3% vs US avg
x
4+ Bedrooms
8.7%-41% vs US avg
x
Built Pre-1939
3.4%-74% vs US avg
x
Built Post-2014
0.9%-88% vs US avg
x
Rent Burden >30%
22.9%-54% vs US avg
x
Mortgage-Free
34.4%-10% vs US avg
x
$329,300
Home Value
$1,147
Rent
1988
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached74.0%
  • 1-unit attached2.2%
  • 2-9 units7.5%
  • 10+ units11.3%
  • Mobile home & other5.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$329,300
Median rent$1,147
Owner-occupied67.9%
Vacant2.4%
Price-to-income4.6x
Est. income to buy$91,000