A
5%
Overall NAT. AVG.
0%
Goods & Services NAT. AVG.
6%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Spokane Washington National
Cost of living105118100
Goods & Services100111100
Groceries111110100
Health care112120100
Housing106135100
Transportation118123100
Utilities9792100

An Overview of Cost of Living in Spokane, WA

Knowing the cost of living in Spokane allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Spokane stands at 105, marking it 5% higher than the national average.

The cost of living in Spokane aligns closely with the national average when compared to other cities across the nation. Everyday essentials such as groceries, goods and services, health care and utility bills are priced at a level consistent with the average in similar urban areas. Spokane residents can anticipate that their daily expenses won't be significantly higher than those in an average city, ensuring that the cost of living remains manageable.

The substantial and relentless rise in grocery prices definitely warrants some attention. Over the past two years, grocery expenses have escalated by more than 10%. Having said that, the situation in Spokane is even less favorable, with grocery prices here being 10.8% higher than the national average.

What Do Locals Say About the Cost of Living in Spokane?

Nobody knows their city better than the people who actually live there. So, we asked 32 local residents how they would rate the cost of living in Spokane and this is how they responded. 41% of people said that the cost of living was affordable, with prices decreasing, while 59% of people said that the cost of living was very expensive and prices continue to rise.

Is Spokane Affordable?

Wondering if Spokane is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Spokane, for example, the median home price is 11.3% higher than what folks pay nationally, and monthly rent is 4.6% lower than the usual rates. Plus, income levels matter too, with Spokane boasting a median household income of $52,600, which is 4.9% lower than the national average.

What Factors can Influence the Cost of Living in Spokane?

Healthcare: Healthcare expenditures and insurance premium rates can vary significantly, contingent upon the particular city or state. Factors such as the accessibility of healthcare facilities, out-of-pocket expenses for doctor's appointments, dental care charges, prescription medication costs, and expenses related to specialized medical care can all have an impact on the overall cost of living. In Spokane, healthcare costs are 11.6% higher than the national average.

Subsidies: Certain cities or states may institute government subsidies or assistance programs designed to alleviate the financial burdens associated with the cost of living for their residents. These programs encompass a variety of support mechanisms, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farm subsidies. Areas that provide fewer subsidies may see an uptick in their overall cost of living.

Groceries: The costs associated with groceries have witnessed substantial increases over the past 2-3 years. In select markets, food prices have escalated by more than 20% during this timeframe, whereas others have seen more restrained upticks. The variances in food expenses can exert a considerable influence on the overall cost of living in a given locale. In Spokane, the groceries index is 10.8% higher than the national average.

Where is the Data From?

The cost of living in Spokane, presented above is derived from the C2ER cost of living index, offering a practical method for assessing living cost disparities in urban areas. Published quarterly, this index compiles data from more than 300 independent researchers, encompassing over 60 goods and services in 6 categories. The weightings assigned to cost variances are informed by government survey data tracking the expenditure patterns of professional and executive households. It should be noted that the C2ER index does not include data on sales or income tax rates, however, AreaVibes incorporates tax rates into the overall cost of living score for each area.

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Cost Of Living Quick Facts

  • The cost of living in Spokane is 11% lower than the Washington average
  • The cost of living in Spokane is 5% higher than the national average
  • Spokane housing is 6% higher than the national average
  • Washington general sales tax is 27% higher than the national average
  • Washington state income tax is 100% lower than the national average

Most Affordable Places to Live in and Around Spokane

See all the best places to live around Spokane

Compare Spokane, WA Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$71,491$5,958$1,668$2,145
      Renters$35,155$2,930$820$1,055
      To approximate the cost of living and the housing affordability in Spokane, WA, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Spokane have a median income of $71,491. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,668 per month to avoid calamity and poverty. The renters in the city have an income of about $35,155, which would make their monthly maximum allowable rental costs $820.

      Washington Sales Tax

      State General Sales Tax With Max Surtax
      Washington 6.5% 10.4%

      Washington Income Tax

      State Income Tax (Low) Income Tax (High)
      Washington 0% 0%

      Goods & Services

      Item Spokane National avg. Difference
      Haircut $27.83$24.2614.7%
      Beauty Salon $51.82$45.5613.7%
      Toothpaste $3.72$3.700.4%
      Shampoo $1.29$1.280.6%
      Movie $14.89$12.1322.7%
      Bowling $23.19$18.0028.8%

      Groceries

      Item Spokane National avg. Difference
      Ground Beef $6.17$5.845.7%
      Fried Chicken $2.22$1.5741.0%
      Milk $4.92$4.675.3%
      Potatoes $4.89$4.930.9%
      Pizza $11.23$12.097.1%
      Beer $11.57$10.4111.1%

      Health Care

      Item Spokane National avg. Difference
      Optometrist $165.73$125.6831.9%
      Doctor $168.55$135.7824.1%
      Dentist $118.01$113.294.2%
      Ibuprofen $11.49$10.657.9%
      Lipitor $477.18$468.601.8%

      Housing

      Item Spokane National avg. Difference
      Home Price $205,500.00$184,700.0011.3%
      Avg. Mortgage Payment $2,282.29$2,346.692.7%
      Apartment Rent $905.00$949.004.6%

      Transportation

      Item Spokane National avg. Difference
      Gasoline $4.30$3.4624.2%
      Tire Balancing $60.58$59.921.1%

      Utilities

      Item Spokane National avg. Difference
      All Electricity $178.20$193.998.1%
      Phone $201.25$192.254.7%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Rockford, WA4181010.9%
      Millwood, WA1,7421032.5%
      Medical Lake, WA4,9501032.8%
      Airway Heights, WA8,8851043.9%
      Cheney, WA12,4551088.0%
      Spokane, WA219,1851055.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Spring Valley, NV218,69711211.7%
      San Bernardino, CA216,78411918.9%
      Baton Rouge, LA222,191972.7%
      Richmond, BC222,489n/a 
      Tacoma, WA215,76612827.6%
      Spokane, WA219,1851055.3%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.