%
CapRateCity
Free cap rate calculators for every US market
← All markets

Cap Rate Analysis: Spokane, WA

Investment metrics, interactive calculators, and data-driven analysis for Spokane rental properties.

Challenging for pure cash flow
Based on $340,000 median price and $1,480/mo median rent
Est. Cap Rate
3.22%
1% Rule
0.44%
Fails
GRM
19.1x
Price / Income
6.7x

Market Data

Median Home Price$340,000
Median Monthly Rent$1,480
Property Tax Rate0.94%
Population230,160
Population Growth1.2% / yr
Median Household Income$50,800
Vacancy Rate5%
Annual Appreciation3%

Cap Rate Calculator — Spokane

Pre-filled with Spokane medians. Adjust to match a specific property.

Property Details
$
$
3–8% typical
%
Monthly Expenses
0.94% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
2.69%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$9,132
net operating income
Gross Rent Multiplier
19.1x
High (>15)
1% Rule
0.44%
✗ Fails
Monthly Cash Flow
$761
before debt service
Annual Breakdown
Gross Rental Income$17,760
Less Vacancy−$888
Effective Income$16,872
Less Operating Expenses−$7,740
Net Operating Income$9,132

Cash-on-Cash Return — Spokane

Factor in financing to see your actual return on invested capital in Spokane.

$
$85,000
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-10.14%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$95,200
$85,000 down + $10,200 closing
Monthly Mortgage
$1,662
on $255K loan
Monthly Cash Flow
$-804
after all expenses
Annual Cash Flow
$-9,653
before taxes
Cash Flow Breakdown
Monthly Rent$1,480
Less Expenses−$622
Less Mortgage−$1,662
Monthly Cash Flow$-804

Is Spokane a Good Place to Invest in Rental Property?

Spokane, WA has a population of 230,160 and has been growing at 1.2% annually — above the national average, suggesting steady demand pressure on housing. The median home price of $340,000 paired with median rents of $1,480/mo produces an estimated cap rate of 3.22%.

Property taxes at 0.94% fall within the national average range and shouldn't present unusual challenges. The vacancy rate of 5% is moderate and within normal parameters for a healthy rental market.

At a price-to-income ratio of 6.7x, homes cost about 6.7 times the local median income of $50,800. This elevated ratio means homeownership is stretched, supporting rental demand but limiting buyer pools. Home values have appreciated at roughly 3% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.

Bottom line: At current median prices, Spokane is challenging for pure cash flow investing. Consider BRRRR strategies with below-market purchases, or look at neighboring metros with stronger price-to-rent ratios.

Run a BRRRR analysis for Spokane
Model a buy-rehab-refinance deal with Spokane data pre-loaded.
Open BRRRR Calculator →