Stevens County, WA Average Home Price (2026)
The average home price in Stevens County, Washington is about $364,500 (the 2026 median across 16 ZIP codes, at ~$282/sq ft) — 27% more affordable than the Washington median and 26% more expensive than the typical U.S. home.
How Stevens County compares
Stevens County is about average for housing nationally: its typical home costs $364,500 against $501,000 for Washington and $289,000 for the U.S. Within the county, ZIP-level values run from about $253,000 to $669,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Stevens County | $364,500 | $282 |
| Washington | $501,000 | $312 |
| United States | $289,000 | $193 |
Stevens County home prices by ZIP code
The 15 most valuable ZIP codes in Stevens County (of 16 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 99034 Tumtum | $669,000 | $352 | +84% |
| 99131 Gifford | $574,000 | $302 | +57% |
| 99129 Fruitland | $515,000 | $271 | +41% |
| 99110 Clayton | $424,000 | $262 | +16% |
| 99137 Hunters | $418,000 | $220 | +15% |
| 99148 Loon Lake | $418,000 | $344 | +15% |
| 99151 Marcus | $367,000 | $193 | +1% |
| 99167 Rice | $365,000 | $251 | +0% |
| 99101 Addy | $364,000 | $235 | +0% |
| 99181 Valley | $360,000 | $293 | -1% |
| 99126 Colville | $350,000 | $339 | -4% |
| 99109 Chewelah | $347,000 | $261 | -5% |
| 99114 Colville | $334,000 | $200 | -8% |
| 99173 Springdale | $311,000 | $303 | -15% |
| 99013 Ford | $274,000 | $312 | -25% |
Home value appreciation in Stevens County
Home prices in Stevens County have risen about 113% over the last 10 years (≈7.8% a year) and +144.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at -1.8% — a recent dip. A home worth $364,500 today was worth roughly $171,368 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Washington is +113.0% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Stevens County
Run the numbers for Stevens County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Stevens County
To buy the typical $364,500 home in Stevens County with 20% down, you need a household income of roughly $99,000 a year (about $2,310 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $118,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $18,200 | $2,880/mo | $123,000/yr |
| 10% (+PMI) | $36,500 | $2,750/mo | $118,000/yr |
| 20% | $72,900 | $2,310/mo | $99,000/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 Stevens County
At about $282 per square foot, here is roughly how much home different budgets get you in Stevens County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 710 sq ft | below the local median — condos, smaller or older homes |
| $250k | 890 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1060 sq ft | around the typical home here |
| $400k | 1420 sq ft | around the typical home here |
| $500k | 1770 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 filtered to Washington.
Estimate a specific home in Stevens County
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Stevens County home prices: frequently asked
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Browse all Washington cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.