ZIP Code 99207 — Spokane, WA Home Prices (2026)
The typical home in ZIP 99207 (Spokane, Washington) is worth about $282,000 at roughly $194 per square foot — 28% more affordable than the Spokane median and 4% more affordable than the typical U.S. home.
How 99207 compares
ZIP 99207 is one of the more affordable ZIP codes in Spokane: its typical home value of $282,000 ranks #11 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 $194, against $221 for Spokane as a whole, $317 for Washington, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 99207 | $282,000 | $194 |
| Spokane, WA | $393,000 | $221 |
| Washington | $519,500 | $317 |
| United States | $294,000 | $195 |
Home value by size in 99207
Using this ZIP’s rate of about $194 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 | $194,000 |
| 1,500 sq ft | $291,000 |
| 2,000 sq ft | $388,000 |
| 2,500 sq ft | $485,000 |
| 3,000 sq ft | $582,000 |
Salary needed to buy a home in ZIP 99207
To buy the typical $282,000 home in ZIP 99207 with 20% down, you need a household income of roughly $77,000 a year (about $1,790 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $91,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $14,100 | $2,220/mo | $95,000/yr |
| 10% (+PMI) | $28,200 | $2,130/mo | $91,000/yr |
| 20% | $56,400 | $1,790/mo | $77,000/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 99207
At about $194 per square foot, here is roughly how much home different budgets get you in ZIP 99207:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 770 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1030 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1290 sq ft | around the typical home here |
| $300k | 1550 sq ft | around the typical home here |
| $400k | 2060 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 99207 home.
Estimate a specific home in 99207
The estimator below is pre-set to ZIP 99207 — 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 99207 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 | $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 (this page) | $282,000 | $194 |
ZIP 99207 home prices: frequently asked
What is the average home price in ZIP code 99207? +
What is the price per square foot in 99207? +
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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.