Can You Afford a Home in Valleyford, WA?
A typical home in Valleyford is worth $684,730, up 0.1% over the past year. That is $262K above the Spokane County typical of $422,402.
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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 $684,730. 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 | $324,000 | $268,000 | $246,000 | $262,000 |
| $100,000 | $441,000 | $365,000 | $335,000 | $357,000 |
| $125,000 | $558,000 | $462,000 | $424,000 | $452,000 |
| $150,000 | $675,000 | $559,000 | $513,000 | $546,000 |
| $200,000 | $909,000 | $752,000 | $690,000 | $735,000 |
How Valleyford compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Nine Mile Falls | $547,176 | 0% | $123,000 |
| Liberty Lake | $564,561 | +1% | $126,000 |
| Spangle | $580,224 | +1.3% | $130,000 |
| Chattaroy | $587,372 | +0.4% | $131,000 |
| Colbert | $596,614 | +0.3% | $133,000 |
| Valleyford (this page) | $684,730 | +0.1% | $152,000 |
| Mica | $713,628 | +0.9% | $158,000 |
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 $684,730, 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.