ZIP Code 99204 — Spokane, WA Home Prices (2026)
The typical home in ZIP 99204 (Spokane, Washington) is worth about $393,000 at roughly $220 per square foot — about the same as the Spokane median and 34% more expensive than the typical U.S. home.
How 99204 compares
ZIP 99204 is a mid-priced ZIP code for Spokane: its typical home value of $393,000 ranks #6 of the 11 Spokane ZIP codes we track (the citywide range runs from $282,000 in 99207 to $527,000 in 99224). Per square foot it costs about $220, against $221 for Spokane as a whole, $317 for Washington, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 99204 | $393,000 | $220 |
| Spokane, WA | $393,000 | $221 |
| Washington | $519,500 | $317 |
| United States | $294,000 | $195 |
Home value by size in 99204
Using this ZIP’s rate of about $220 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 | $220,000 |
| 1,500 sq ft | $330,000 |
| 2,000 sq ft | $440,000 |
| 2,500 sq ft | $550,000 |
| 3,000 sq ft | $660,000 |
Salary needed to buy a home in ZIP 99204
To buy the typical $393,000 home in ZIP 99204 with 20% down, you need a household income of roughly $107,000 a year (about $2,490 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $127,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $19,700 | $3,100/mo | $133,000/yr |
| 10% (+PMI) | $39,300 | $2,960/mo | $127,000/yr |
| 20% | $78,600 | $2,490/mo | $107,000/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 99204
At about $220 per square foot, here is roughly how much home different budgets get you in ZIP 99204:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 910 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1140 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1360 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1820 sq ft | around the typical home here |
| $500k | 2270 sq ft | around the typical home here |
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 99204 home.
Estimate a specific home in 99204
The estimator below is pre-set to ZIP 99204 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Spokane ZIP codes by home value
Where 99204 sits among Spokane’s 11 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 99224 | $527,000 | $245 |
| 2 | 99223 | $504,000 | $230 |
| 3 | 99203 | $498,000 | $242 |
| 4 | 99218 | $475,000 | $197 |
| 5 | 99208 | $465,000 | $215 |
| 6 | 99204 (this page) | $393,000 | $220 |
| 7 | 99217 | $377,000 | $221 |
| 8 | 99201 | $331,000 | $258 |
| 9 | 99205 | $323,000 | $199 |
| 10 | 99202 | $319,000 | $223 |
| 11 | 99207 | $282,000 | $194 |
ZIP 99204 home prices: frequently asked
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See the full Spokane 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.