Can You Afford a Home in Valleyford, WA?
A typical home in Valleyford is worth $698,390, up 0.1% over the past year. That is $269K above the Spokane County typical of $429,071.
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Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Valleyford costs $698,390. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Spokane County
Prices below are what keeps housing at 33% of gross income, using Spokane County’s 0.86% effective property tax rate. The Conventional column assumes 20% down; the zero-down columns finance the funding fee into the loan.
| Household income | Conventional | VA | Zero-down CU | FHA |
|---|---|---|---|---|
| $75,000 | $317,000 | $262,000 | $240,000 | $256,000 |
| $100,000 | $434,000 | $359,000 | $329,000 | $351,000 |
| $125,000 | $551,000 | $456,000 | $418,000 | $445,000 |
| $150,000 | $668,000 | $552,000 | $507,000 | $540,000 |
| $200,000 | $902,000 | $746,000 | $684,000 | $729,000 |
How Valleyford compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Nine Mile Falls | $555,273 | +0.1% | $126,000 |
| Liberty Lake | $568,077 | +0.8% | $129,000 |
| Spangle | $595,526 | +0.7% | $135,000 |
| Chattaroy | $598,119 | +0.4% | $135,000 |
| Colbert | $604,997 | +0.1% | $137,000 |
| Valleyford (this page) | $698,390 | +0.1% | $157,000 |
| Mica | $725,769 | +0.7% | $162,000 |
If Valleyford is out of reach, Nine Mile Falls, Liberty Lake, Spangle, Chattaroy, Colbert sit lower in the same county — same commute shed, same schools district-by-district, less money.
What this does not tell you
These are typical values, not listings. Half the homes in Valleyford sell for less than $698,390, and condos and townhomes sit well below it. Property tax is a county-wide effective rate, so your parcel will differ. Insurance is a state average. Run your own numbers with your own quote before you take any of this as settled.