Your Property Details
Spokane, Spokane County median: $375,000
Spokane, Spokane County Market Snapshot
- Conforming Limit
- $806,500
- 5-Year Appreciation
- 52.0%
- Avg Property Tax Rate
- 1.05%
- Est. Annual Tax
- $3,938
Your Equity Position
Current Equity
$150,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$300,000
Cash Available
$75,000
Max New Loan
$318,750
Cash Available
$93,750
Max New Loan
$337,500
Cash Available
$112,500
5-Year Projection for Spokane, Spokane County
Based on 52.0% historical appreciation in Spokane, Spokane County, Washington:
Projected Value (5yr)
$570,000
Projected Equity Gain
$195,000
Calculations are estimates for educational purposes only. Actual loan amounts depend on credit score, DTI ratio, property appraisal, and lender guidelines. Conforming loan limit for Spokane, Spokane County is $806,500 (2026 FHFA). Contact Mo Abdel at (949) 822-9662 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
Frequently Asked Questions
What is the 2026 conforming loan limit for Spokane, Washington?
Spokane is in Spokane County, which has a 2026 FHFA conforming loan limit of $806,500. This limit applies to all cities within the county. Loans exceeding this amount require jumbo financing.
How much equity can I access through a cash-out refinance in Spokane?
With Spokane's median home value of $375,000, a homeowner with 40% equity could access approximately $75,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Spokane, Spokane County?
The average effective property tax rate in Spokane is 1.05%. On a home valued at $375,000, that's approximately $3,938 per year. Property taxes are factored into your total PITI payment.
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