Your Property Details
Lacey, Thurston County median: $465,000
Lacey, Thurston County Market Snapshot
- Conforming Limit
- $806,500
- 5-Year Appreciation
- 52.0%
- Avg Property Tax Rate
- 0.98%
- Est. Annual Tax
- $4,557
Your Equity Position
Current Equity
$186,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$372,000
Cash Available
$93,000
Max New Loan
$395,250
Cash Available
$116,250
Max New Loan
$418,500
Cash Available
$139,500
5-Year Projection for Lacey, Thurston County
Based on 52.0% historical appreciation in Lacey, Thurston County, Washington:
Projected Value (5yr)
$706,800
Projected Equity Gain
$241,800
Calculations are estimates for educational purposes only. Actual loan amounts depend on credit score, DTI ratio, property appraisal, and lender guidelines. Conforming loan limit for Lacey, Thurston County is $806,500 (2026 FHFA). Contact Mo Abdel at (949) 822-9662 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
Frequently Asked Questions
What is the 2026 conforming loan limit for Lacey, Washington?
Lacey is in Thurston County, which has a 2026 FHFA conforming loan limit of $806,500. This limit applies to all cities within the county. Loans exceeding this amount require jumbo financing.
How much equity can I access through a cash-out refinance in Lacey?
With Lacey's median home value of $465,000, a homeowner with 40% equity could access approximately $93,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Lacey, Thurston County?
The average effective property tax rate in Lacey is 0.98%. On a home valued at $465,000, that's approximately $4,557 per year. Property taxes are factored into your total PITI payment.
Ready to Take the Next Step?
Get a personalized quote from Mo Abdel — access 200+ wholesale lenders with one application.