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Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
A 63-point spread tells the whole story in Washington: Spokane Valley at index 88 vs. Bellevue at 151. The difference translates to roughly $1,073/month in rent alone ($1,509 vs. $2,582). Which side of that divide you land on shapes your entire budget. Full 8-city ranking below.
#1 Ranked: Spokane Valley — cost index 88, rent $1,509/mo, income $70,722
$1,073/mo rent gap across the ranking
4 of 8 cities come in below the national cost-of-living average of 111
Data sourced from Census Bureau, Zillow, BLS, and Tax Foundation — current as of 2026
A 63-point spread tells the whole story in Washington: Spokane Valley at index 88 vs. Bellevue at 151. The difference translates to roughly $1,073/month in rent alone ($1,509 vs. $2,582). Which side of that divide you land on shapes your entire budget. Full 8-city ranking below.
Spokane Valley is one of the cheaper options here. Rent is $1,509/month, which is lower than most cities in this ranking. The cost index is 88. Income sits at $70,722. That's more or less in line with the region.
What to do with this data: use the ranking as a shortlist, then dig into the city profiles for trend lines and category breakdowns. The difference between #1 and #5 is often smaller than the difference between "good on paper" and "actually fits my life." Compare your top picks with our calculator to see real take-home numbers.
| City | State Tax | Sales Tax | Property Tax | Est. Take-Home |
|---|---|---|---|---|
1Spokane Valley | 0% | 10.6% | 0.84% | $54,700 |
2Tacoma | 0% | 10.6% | 0.84% | $54,700 |
3Spokane | 0% | 10.6% | 0.84% | $54,700 |
4Vancouver | 0% | 10.6% | 0.84% | $54,700 |
5Seattle | 0% | 10.6% | 0.84% | $54,700 |
6Kent | 0% | 10.6% | 0.84% | $54,700 |
7Everett | 0% | 10.6% | 0.84% | $54,700 |
8Bellevue | 0% | 10.6% | 0.84% | $54,700 |
Rent ranges from $1,509/mo in Spokane Valley to $2,582/mo in Bellevue — a monthly difference of $1,073, or $12,876 per year.
Spokane Valley (index 88) and Bellevue (index 151) sit 63 points apart on the cost index — proof that Washington is far from monolithic in affordability.
108,235 residents · Washington
The #1 spot goes to Spokane Valley, and the breakdown explains why. Renters here pay $1,509/month — saving renters $4,632 per year compared to the national average. Meanwhile, Housing is the standout at index 88, making it one of the cheapest in the country for that category. The weak spot? Healthcare at 98. A 26% rent-to-income ratio keeps most households inside the safe zone.
222,906 residents · Washington
Here's Tacoma by the numbers — and there's a lot to like (and a little to watch). Cost index: 102. Rent: $1,755/month. Income: $83,857/year. Home price: $486,501. Population: 222,906. The strongest category is Healthcare at 100; the most expensive is Housing at 102. Translate that rent to annual numbers, and residents are saving renters $1,680 per year vs. the national median. There's real money on the table here.
229,447 residents · Washington
Dive into Spokane's numbers: cost index 85 (26 points below national average), rent $1,456/month, income $65,745, and a home price of $389,884. The city's cost profile isn't flat — Housing is the cheapest category at 85, while Healthcare runs 97. With 229,447 residents, it balances mid-size city convenience with manageable costs.
196,442 residents · Washington
A closer look at Vancouver: the cost index of 103 breaks down to a Healthcare index of 101 (strongest category) and a Housing index of 103 (weakest). Median rent is $1,769/month — 7% below the national median — while household income sits at $78,156, meaning locals spend about 27% of income on rent. That's within the recommended 30% threshold, though it doesn't leave much room (and that gap widens if you factor in state taxes).
755,078 residents · Washington
The #5 spot goes to Seattle, and the breakdown explains why. And most of the time, renters here pay $2,187/month — costing renters $3,504 more per year compared to the national average. Meanwhile, Healthcare is the standout at index 106, keeping costs manageable. The weak spot? Housing at 128. At a 22% rent-to-income ratio, there's genuine breathing room in the average household budget.
We divide median home price by median household income for each city in Washington. A ratio of 3× means a home costs 3 years of gross income — generally considered affordable. Ratios above 5× signal a stretched market. All data is sourced from federal agencies and verified research institutions. Cost of living indices are normalized to 100 (national median) using Zillow rent as the primary signal, with sub-category adjustments derived from regional BLS price data. Rankings are updated monthly as new data is released.
Spokane Valley ranks #1 in Washington for this analysis with a cost index of 88 and median income of $70,722.
Our cost of living index uses real Zillow rent data as the foundation, indexed to 100 (national median). Sub-categories (housing, food, transport, utilities, healthcare) are derived from the overall index with regional adjustments. Data is updated monthly.
Spokane Valley (ranked #1) has a cost index of 88 and rent of $1,509/mo, while Bellevue (ranked #8) has a cost index of 151 and rent of $2,582/mo — a 63-point difference in cost of living.
City data is refreshed monthly from Census Bureau population estimates, Zillow rent and home price indices, BLS salary data, and Tax Foundation tax rates. Last updated: 2026.
The median 1-bedroom rent in Spokane Valley is $1,509/month as of 2026, based on Zillow's Observed Rent Index. This is $386 below the national median of $1,895/month.
The median home price in Spokane Valley is $404,483, which is 5.7× the local median income. Most median-income households would stretch to buy at this ratio. The national median home price is $467,370.
Washington has a 0% state income tax rate — one of the states with no income tax. Combined state and local sales tax averages 10.6%, and the effective property tax rate is 0.84%.
This ranking was generated using data current as of early 2026. Population and income data comes from the Census Bureau's American Community Survey (5-year estimates). Rent and home price data is from Zillow's monthly releases. Tax rates are from the Tax Foundation's 2025 edition. Rankings are refreshed monthly.