Home Affordability in Stevens County, WA
A typical home in Stevens County is worth $370,659, up 1.2% year over year. The effective property tax rate is 0.65% of value, and the 2026 conforming loan limit here is $832,750 — borrow more than that and you need a jumbo loan.
Open the calculator for Stevens County Free, instant, no signup
Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Stevens County costs $370,659. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income buys here
| Household income | Conventional | VA | Zero-down CU | FHA |
|---|---|---|---|---|
| $75,000 | $338,000 | $278,000 | $254,000 | $272,000 |
| $100,000 | $458,000 | $377,000 | $345,000 | $368,000 |
| $125,000 | $579,000 | $476,000 | $436,000 | $465,000 |
| $150,000 | $699,000 | $575,000 | $527,000 | $562,000 |
| $200,000 | $940,000 | $774,000 | $709,000 | $756,000 |
Conventional assumes 20% down. VA and credit-union 100% financing assume zero down with the funding fee financed into the loan; FHA assumes 3.5% down with mortgage insurance for the life of the loan. All hold housing at 33% of gross income and cap total debt at the program’s underwriting limit.
Towns in Stevens County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Colville | $335,845 | +1.4% | $75,000 | Details |
| Chewelah | $348,050 | +0.5% | $77,000 | Details |
| Springdale | $316,890 | +4.2% | $71,000 | Details |
| Valley | $318,549 | +3.9% | $71,000 | Details |
| Loon Lake | $417,091 | +2.1% | $91,000 | Details |
| Clayton | $422,466 | +3.6% | $93,000 | Details |
| Addy | $365,506 | +3.2% | $81,000 | Details |
| Ford | $286,699 | +2.8% | $64,000 | Details |
| Rice | $368,256 | +1.8% | $81,000 | Details |
| Kettle Falls | $278,425 | +2.2% | $63,000 | Details |
| Tumtum | $346,459 | +2.5% | $77,000 | Details |
| Northport | $248,500 | +3.3% | $57,000 | Details |
The cheapest places in the county are Northport ($249K), Kettle Falls ($278K), Ford ($287K).
How the zero-down math actually works
Putting nothing down does not simply move the down payment to zero — it costs you twice. Zero-down programs price above conventional, and they finance a funding fee into the balance, so you start out owing more than the house cost. In Stevens County that difference is worth roughly $172K of purchasing power at a $150,000 income.
The exception is the VA loan. If anyone on the loan is Active Duty, Reserve, or a Veteran, it prices below conventional and charges no mortgage insurance — and the funding fee is waived entirely with any VA disability rating. It is almost always the cheapest zero-down option, and it is worth about $49K more house than a credit-union 100% loan here.