ZIP Code 99212 — Spokane Valley, WA Home Prices (2026)
The typical home in ZIP 99212 (Spokane Valley, Washington) is worth about $377,000 at roughly $240 per square foot — 12% more affordable than the Spokane Valley median and 28% more expensive than the typical U.S. home.
How 99212 compares
ZIP 99212 is one of the more affordable ZIP codes in Spokane Valley: its typical home value of $377,000 ranks #5 of the 5 Spokane Valley ZIP codes we track (the citywide range runs from $377,000 in 99212 to $504,000 in 99016). Per square foot it costs about $240, against $217 for Spokane Valley as a whole, $317 for Washington, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 99212 | $377,000 | $240 |
| Spokane Valley, WA | $427,000 | $217 |
| Washington | $519,500 | $317 |
| United States | $294,000 | $195 |
Home value by size in 99212
Using this ZIP’s rate of about $240 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $240,000 |
| 1,500 sq ft | $360,000 |
| 2,000 sq ft | $480,000 |
| 2,500 sq ft | $600,000 |
| 3,000 sq ft | $720,000 |
Salary needed to buy a home in ZIP 99212
To buy the typical $377,000 home in ZIP 99212 with 20% down, you need a household income of roughly $103,000 a year (about $2,390 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $122,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $18,900 | $2,970/mo | $127,000/yr |
| 10% (+PMI) | $37,700 | $2,840/mo | $122,000/yr |
| 20% | $75,400 | $2,390/mo | $103,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 99212
At about $240 per square foot, here is roughly how much home different budgets get you in ZIP 99212:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 830 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1040 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1250 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1670 sq ft | around the typical home here |
| $500k | 2080 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 99212 home.
Estimate a specific home in 99212
The estimator below is pre-set to ZIP 99212 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Spokane Valley ZIP codes by home value
Where 99212 sits among Spokane Valley’s 5 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 99016 | $504,000 | $249 |
| 2 | 99037 | $491,000 | $217 |
| 3 | 99206 | $427,000 | $215 |
| 4 | 99216 | $414,000 | $216 |
| 5 | 99212 (this page) | $377,000 | $240 |
ZIP 99212 home prices: frequently asked
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See the full Spokane Valley home values page, all Washington cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.