Investment Property Details
Lacey, Thurston County median: $465,000
Down payment: $116,250 | Loan: $348,750
Lacey, Thurston County median rent: $1,750/mo
Lacey, Thurston County Market Snapshot
- Conforming Limit
- $806,500
- Median Rent
- $1,750/mo
- Avg Property Tax Rate
- 0.98%
- Est. Annual Tax
- $4,557
Your DSCR Ratio
0.57
Below break-even — rent does not cover PITIA
Monthly Rent
$1,750
Monthly PITIA
$3,050
Required Rent by DSCR Threshold
Required Rent
$3,050/mo
vs Your Rent
-$1,300
Required Rent
$3,812/mo
vs Your Rent
-$2,062
Lacey, Thurston County Median Rent Comparison
The median rent in Lacey, Thurston County, Washington is $1,750/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 Lacey, Washington?
Most DSCR lenders require a minimum ratio of 1.0 to 1.25. In Lacey, the median rent is $1,750/mo and the median home value is $465,000. Use the calculator above to determine if your target property meets lender DSCR requirements.
What is the median rent in Lacey for 2026?
The 2026 median rent in Lacey, Thurston County is $1,750 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 Lacey?
The average effective property tax rate in Lacey is 0.98%. On an investment property valued at $465,000, that's approximately $4,557 per year. Property taxes are a key component of the PITIA payment used in DSCR calculations.
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