Zip lookup · WA

99208
Spokane, Washington.

Spokane, Spokane County, WA · Spokane-Spokane Valley, WA metro · population 58,669

What it costs per month · 99208 $2,401/mo

to buy the typical home at today's mortgage rate — +$1,262 (+111%) since Jan 2020.

What the home itself did
1 year
Up $2,110 +0%
$455,383$457,493 since Sep 2025
5 years
Up $28,817 +7%
$428,676$457,493 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 $2,500 2002 2006 2010 2014 2018 2022 2026 99208 $2,401 United States $1,922
$500 $1,000 $1,500 $2,000 $2,500 2002 2010 2018 2026
  • 99208$2,401
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 53 years.

Typical home values in zip 99208 rose 0.5% over the past year — slower than the nation's +1.2%.

Asking rents in zip 99208 rose 3.7% over the past year — faster than the nation's +2.7%.

Owning the typical home in zip 99208 runs $1,555/mo more than renting one. The gap peaked at $1,779 in Oct 2022.

That is $3,210 a month against $1,655 rent: a $2,401 mortgage payment, plus $319 property tax and $490 insurance & upkeep.

Owning vs renting — zip 99208

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$1,500 $2,000 $2,500 $3,000 2021 2022 2023 2024 2025 2026 Owning all in $3,210 Renting $1,655 Mortgage only $2,401
$1,500 $2,000 $2,500 $3,000 2022 2024 2026
  • Owning all in$3,210
  • Renting$1,655
  • Mortgage only$2,401

Property tax · $319/mo 0.84% of value a year — the ACS 2020-2024 median bill over the median home value for Spokane County, WA

Insurance & upkeep · $490/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

Zillow also publishes an index for the city itself: Spokane, WA — measured over the city limits, which is a different area from this zip.

Asking rent $1,655 as of Sep 2026
+3.7%year on year
Typical home value $457,493 as of Sep 2026
+0.5%year on year

Asking rent — 99208

Against the Spokane-Spokane Valley, WA metro and the national benchmark.

$1,200 $1,400 $1,600 $1,800 2021 2022 2023 2024 2025 2026 99208 $1,655 Spokane $1,512 United States $1,932
$1,200 $1,400 $1,600 $1,800 2022 2024 2026
  • 99208$1,655
  • Spokane$1,512
  • United States$1,932

Typical home value — 99208

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $300,000 $400,000 $500,000 2018 2020 2022 2024 2026 99208 $457,493 Spokane $415,045 United States $366,157
$200,000 $300,000 $400,000 $500,000 2018 2022 2026
  • 99208$457,493
  • Spokane$415,045
  • United States$366,157

Within 20 miles

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
2.9 99218 Spokane 16,897 $1,512 $463,185
5.9 99205 Spokane 43,169 $1,712 $315,547
6.3 99005 Colbert 10,815 $1,868 $595,762
7.1 99207 Spokane 32,770 $1,439 $271,888
7.8 99026 Nine Mile Falls 9,320 — $548,141
8.2 99201 Spokane 15,829 $1,121 $320,743
9.4 99204 Spokane 7,643 $1,206 $377,712
9.4 99202 Spokane 19,921 $1,559 $308,503
9.6 99217 Spokane 21,441 $1,456 $368,353
9.8 99224 Spokane 24,919 $1,592 $516,252
10.7 99212 Spokane 21,707 $1,573 $367,374
10.8 99203 Spokane 21,468 $2,204 $485,351
11.4 99001 Airway Heights 9,440 $1,698 $367,655
12.1 99006 Deer Park 16,177 $2,008 $463,523
12.9 99003 Chattaroy 4,810 — $586,035
13.6 99021 Mead 8,942 — $512,092
13.6 99216 Spokane 28,578 $1,457 $403,520
14.3 99206 Spokane 41,089 $1,654 $417,264
14.5 99223 Spokane 36,094 $2,024 $491,544
15.8 99037 Veradale 16,522 $1,603 $481,435
16.2 99027 Otis Orchards 5,992 — $495,458
16.7 99110 Clayton 1,505 — $423,625
16.9 99022 Medical Lake 8,767 $1,544 $425,743
17.4 99025 Newman Lake 5,668 — $491,676
17.6 99029 Reardan 2,116 — $403,529
18.3 99016 Greenacres 21,615 $1,658 $494,790
18.8 99013 Ford 1,620 — $273,758
19.5 99009 Elk 4,506 — $489,163

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.