Washington · Census, HUD and BEA figures · Updated

Cost of Living in Spokane County, WA

Prices around Spokane County, WA run 0.3% above the U.S. average (BEA, the metro area). The typical household there earns $78,582 a year, and HUD puts a two-bedroom at $1,531 a month. Keeping that rent under 30% of income takes about $61,240 a year.

Spokane County, WA at a glance

Median household income

$78,582$6,549 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,531HUD FY2026 Fair Market Rent
Price level (U.S. = 100)100.3+0.3% · BEA, the metro area
Electricity14.9¢per kWh · EIA Residential WA
Population549,056Census ACS 5-year estimate

How much rent can you afford in Spokane County, WA?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$1,531Monthly market rent
Share of gross income23.4%Recommended max: 30%
Annual income needed$61,240To meet the 30% standard
Max affordable rent$1,965At 30% of $78,582
0%30% (Affordability standard)100%
Compare against:

How much is rent in Spokane County, WA? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Spokane, WA HUD Metro FMR Area, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Spokane County, WA, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$1,103$13,236$44,12016.8%
1-Bedroom Apartment$1,193$14,316$47,72018.2%
2-Bedroom ApartmentBenchmark$1,531$18,372$61,24023.4%
3-Bedroom Home$2,088$25,056$83,52031.9%
4-Bedroom Home$2,506$30,072$100,24038.3%

Rent in Spokane County, WA, with the wage each unit needs →

What a typical income covers in Spokane County, WA

The 50/30/20 rule applied to the local median of $78,582 a year ($6,549 a month before tax).

Needs (50%)$3,274/moRent ($1,531 2-BR), utilities (~$134/mo), groceries, transit
Wants (30%)$1,965/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,310/moEmergency fund, retirement, paying down loans

What $78,582 leaves after Washington taxes

Federal income tax, Social Security, Medicare and Washington tax on the local median income. Change the salary to see yours.

$78,582
$30,000$160,000
Filing status:
Gross salary breakdown$78,582
Net 82%
Fed 11%
FICA 8%
Annual take-home$64,112After all taxes
Monthly deposit$5,343Estimated per month
Biweekly paycheck$2,466Every 2 weeks (26/yr)
Effective tax rate18.4%Total tax burden
Federal income tax$8,458 / yr
Washington state income taxNo state wage tax$0
FICA (Social Security & Medicare)$6,012 / yr

Living in Spokane County, WA: common questions

What is the median household income in Spokane County, WA?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Spokane County, WA is $78,582 per year (approximately $6,549 per month).

What is the average rent in Spokane County, WA?

The closest official figure is HUD's Fair Market Rent for 2026: $1,103 for a studio, $1,193 for one bedroom, $1,531 for two, $2,088 for three and $2,506 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is Spokane County, WA expensive to live in?

Prices there run 0.3% above the U.S. average. BEA's regional price parity for the metro area is 100.3, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in Spokane County, WA?

To keep a $1,531 two-bedroom under 30% of gross income, a household needs about $61,240 a year, or $5,103 a month. That is 78% of what the typical household in Spokane County, WA earns.

How much do you need to live comfortably in Spokane County, WA?

On the local median income of $78,582 ($6,549 a month before tax), the 50/30/20 rule leaves $3,274 a month for needs like rent, utilities and groceries, $1,965 for everything else and $1,310 for savings or debt. A two-bedroom at $1,531 takes 47% of the needs share.

How much is the electric bill in Spokane County, WA?

Homes in Washington paid 14.9¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $134. Your bill depends mostly on heating and cooling.