Spokane County, Washington has a 2026 one-unit conforming loan limit of $832,750, which is 2.0 times the county's median home value of $410,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $78,582 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $410,700 |
| Washington median home value | $564,600 |
| Limit ÷ median home value | 2.03× |
| Median household income | $78,582 |
| Median home value ÷ income | 5.2× |
| Population | 549,056 |
| Median property tax paid (owners) | $3,434 |
| Effective property tax rate (approx.) | 0.84% |
| Owner-occupied homes | 64.5% |
| Home value rank in Washington | 19 of 39 counties |
| Neighbor: Benewah County, ID | limit $832,750; median home $293,500 |
| Neighbor: Bonner County, ID | limit $832,750; median home $487,900 |
| Neighbor: Kootenai County, ID | limit $832,750; median home $518,700 |
| Neighbor: Lincoln County, WA | limit $832,750; median home $292,800 |
| Neighbor: Pend Oreille County, WA | limit $832,750; median home $367,900 |
| Neighbor: Stevens County, WA | limit $832,750; median home $350,600 |
| Neighbor: Whitman County, WA | limit $832,750; median home $359,600 |
Across Washington's 39 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,063,750, with 3 high-cost counties. Spokane County's median home value is 27% below the state median of $564,600 (rank 19 of 39). Among its 7 neighboring counties, Kootenai County has the highest median home value ($518,700) and Lincoln County the lowest ($292,800); all share the same loan limit. Owners pay a median $3,434 a year in property tax, an effective rate of about 0.84% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
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Last updated 2026-10-16. Data only, not financial or tax advice.