Investment Property Details
Spokane Valley, Spokane County median: $395,000
Down payment: $98,750 | Loan: $296,250
Spokane Valley, Spokane County median rent: $1,500/mo
Spokane Valley, Spokane County Market Snapshot
- Conforming Limit
- $806,500
- Median Rent
- $1,500/mo
- Avg Property Tax Rate
- 1.00%
- Est. Annual Tax
- $3,950
Your DSCR Ratio
0.57
Below break-even — rent does not cover PITIA
Monthly Rent
$1,500
Monthly PITIA
$2,650
Required Rent by DSCR Threshold
Required Rent
$2,650/mo
vs Your Rent
-$1,150
Required Rent
$3,313/mo
vs Your Rent
-$1,813
Spokane Valley, Spokane County Median Rent Comparison
The median rent in Spokane Valley, Spokane County, Washington is $1,500/mo.
Your Rent vs Median
+$0
DSCR at Median Rent
0.57
Calculations are estimates for educational purposes only. Actual DSCR requirements vary by lender, property type, and loan program. Most DSCR lenders require a minimum ratio of 1.0–1.25. Contact Mo Abdel at (949) 822-9662 for a personalized investment property analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
Frequently Asked Questions
What DSCR ratio do I need for an investment property in Spokane Valley, Washington?
Most DSCR lenders require a minimum ratio of 1.0 to 1.25. In Spokane Valley, the median rent is $1,500/mo and the median home value is $395,000. Use the calculator above to determine if your target property meets lender DSCR requirements.
What is the median rent in Spokane Valley for 2026?
The 2026 median rent in Spokane Valley, Spokane County is $1,500 per month. This is used by appraisers and DSCR lenders when underwriting investment property loans. Actual rents vary by property type, bedrooms, condition, and exact location.
What property tax rate applies to investment properties in Spokane Valley?
The average effective property tax rate in Spokane Valley is 1.00%. On an investment property valued at $395,000, that's approximately $3,950 per year. Property taxes are a key component of the PITIA payment used in DSCR calculations.
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