Your Property Details
Olympia, Thurston County median: $485,000
Olympia, Thurston County Market Snapshot
- Conforming Limit
- $806,500
- 5-Year Appreciation
- 52.0%
- Avg Property Tax Rate
- 1.00%
- Est. Annual Tax
- $4,850
Your Equity Position
Current Equity
$194,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$388,000
Cash Available
$97,000
Max New Loan
$412,250
Cash Available
$121,250
Max New Loan
$436,500
Cash Available
$145,500
5-Year Projection for Olympia, Thurston County
Based on 52.0% historical appreciation in Olympia, Thurston County, Washington:
Projected Value (5yr)
$737,200
Projected Equity Gain
$252,200
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 Olympia, 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 Olympia, Washington?
Olympia 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 Olympia?
With Olympia's median home value of $485,000, a homeowner with 40% equity could access approximately $97,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Olympia, Thurston County?
The average effective property tax rate in Olympia is 1.00%. On a home valued at $485,000, that's approximately $4,850 per year. Property taxes are factored into your total PITI payment.
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