Can You Afford a Home in Otis Orchards-East Farms, WA?
A typical home in Otis Orchards-East Farms is worth $476,762, up 1.6% over the past year. That is $48K above the Spokane County typical of $429,071.
Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Otis Orchards-East Farms costs $476,762. 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 0.84% 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 | $318,000 | $263,000 | $241,000 | $257,000 |
| $100,000 | $435,000 | $360,000 | $330,000 | $352,000 |
| $125,000 | $552,000 | $457,000 | $419,000 | $446,000 |
| $150,000 | $670,000 | $554,000 | $508,000 | $541,000 |
| $200,000 | $904,000 | $748,000 | $686,000 | $731,000 |
How Otis Orchards-East Farms compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Cheney | $426,825 | -0.6% | $98,000 |
| Medical Lake | $434,665 | +1.6% | $100,000 |
| Otis Orchards-East Farms (this page) | $476,762 | +1.6% | $109,000 |
| Deer Park | $476,961 | +0.3% | $109,000 |
| Elk | $505,084 | +0.7% | $115,000 |
| Newman Lake | $517,239 | +1.8% | $118,000 |
| Mead | $524,297 | +1.4% | $119,000 |
If Otis Orchards-East Farms is out of reach, Cheney, Medical Lake 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 Otis Orchards-East Farms sell for less than $476,762, 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.