Median home value in zip code 99181 (Valley, WA) is $355,270, up 1.7% year over year. Part of the Spokane-Spokane Valley, WA metropolitan area.

Home Value$355,270

YoY Change

+1.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 99181 (Valley).

Income (annual)

Down Payment

$71,054 on $355,270

Example: $75,000 household income. Change it above to see your own.

Stretch35.2% of income

Above 28% but manageable with cuts.

PITI$2,203

P/I35.2%

Afford$282K

Gap-$73K

P&I $1,796Tax $290Ins $117

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

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

Metro Analysis

99181 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

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