Spokane County, WA: Foreclosures, Tax Liens & Distressed Properties

Spokane County, WA, Washington: 48 ZIP codes scored, Spokane County, WA averaging 32/100 (moderate, Spokane, WA), from 16 to 34. Spokane County, WA is in its contraction phase (Spokane, WA confidence 17/100): Spokane, WA home prices down 0.5% (Spokane, WA) over twelve months. Spokane County, WA lender headwind: 51/100.

Highest-scoring Spokane County, WA ZIPs: 99001 (34/100), 99003 (34/100), 99004 (34/100), 99005 (34/100), 99011 (34/100), 99012 (34/100). Also scored in Spokane County, WA: 99014, 99016, 99018, 99019, 99020, 99021, 99022, 99023, 99025, 99027.

Across Spokane County, WA's scored ZIPs: median home value $407,216, household income $76,147, 7.1% vacancy, 12.7% poverty, 70% owner-occupied, median age 40.1.

Spokane County, WA insurance distress 90/100 (#103 in the US); FEMA hazard 94/100 for Spokane, WA; 12 federal disaster declarations in Spokane County, WA since 2023; 2 Spokane, WA NFIP flood claims, $1.0M paid; Spokane, WA construction distress 48/100.

16 banks with 81 branches lend in Spokane County, WA; Spokane, WA weighted bank stress 60/100, highest 76/100 in Spokane, WA.

Spokane County, WA unemployment 4.1% (Spokane, WA -1.1 pts, six months); 3,019 new housing units permitted in Spokane County, WA over twelve months, Spokane, WA up 2% from 2,972; Spokane, WA home prices +6.9% a year (Spokane, WA) over three years.

231,205 housing units in Spokane County, WA; 77,953 Spokane, WA renter households; 50% of Spokane, WA renters spend 30%+ of income on rent, 24% (Spokane, WA) half or more.

Spokane County, WA ranks #1,590 nationally on the opportunity index (Spokane, WA, among all ranked counties); Spokane, WA scores 29.1/100 and Spokane, WA sits #18 inside Washington. Spokane, WA is in the early_signal opportunity phase; Spokane, WA's primary driver is bank institutional, Spokane, WA second driver construction; Spokane, WA moved up 268 places. 114 short-sale listings across Spokane, WA; 77 days on market observed in Spokane, WA; 5.2% vacancy over 48 Spokane, WA ZIPs.

0.7% of Spokane County, WA mortgages were ninety-plus days late in December 2025; Spokane, WA's thirty-to-eighty-nine-day share was 1.3% (CFPB county sample). Spokane, WA's ninety-day rate is up 0.2 points on twelve months earlier; the Spokane, WA peak since 2008 was 3.3% in June 2012; Washington overall reads 0.6%.

Spokane County, WA has 5 watched banks; 5 Spokane, WA banks sit in an elevated band. Spokane, WA footprints: Washington Trust Bank (16 branches, stress 68) in Spokane, WA; Banner Bank (9 branches, stress 58) in Spokane, WA; Riverbank (3 branches, stress 54) in Spokane, WA.

HUD lists 35 assisted multifamily properties in Spokane County, WA with 2,788 units; 1,435 Spokane, WA units are assisted, 12 Spokane, WA properties under project-based Section 8.

12,810 of the 231,205 housing units in Spokane, WA sit vacant. Spokane County, WA permitted 1,531 multifamily units in twelve months; Spokane, WA's one-to-four unit structures added 1,488 units in Spokane County, WA.