A STRETCH
On $125,000/yr, the typical $425,178 home in Spokane, WA needs $127,733/yr ($2,980/mo). Your gap: $-2,733 — housing would be 28.6% of your gross income.
The math
425,178 price − 10% down (42,518) = 382,660 loan
30-yr fixed at 6.69% on 382,660 = 2,467/mo principal+interest
+ 514/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,980/mo PITI ÷ 0.28 = 10,644/mo → 127,733/yr required
against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).
What salary WOULD clear Spokane, WA?
You need about $127,733/yr for the typical home. That's $2,733 more than $125,000.