Median home value in zip code 99004 (Cheney, WA) is $417K, up 0.2% year over year. Part of the Spokane-Spokane Valley, WA metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: Spokane-Spokane Valley, WA metro →

Home Value$417,015

YoY Change

+0.2%

AFFORDABILITY

Enter your income for 99004 (Cheney).

Income (annual)

Down Payment

$83,403 on $417,015

Out of reach — 41.1% of income

Need $109,971/yr to afford.

PITI$2,566

P/I41.1%

Afford$284K

Gap-$133K

P&I $2,109Tax $341Ins $117

6.50% 30yr, 20% down, county tax + WA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

99004 is part of the Spokane-Spokane Valley, WA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Spokane-Spokane Valley, WA analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free