| County | DDA code |
|---|---|
| Island County, Washington | NCNTY53029N53029 |
| Klickitat County, Washington | NCNTY53039N53039 |
| Kittitas County, Washington | NCNTY53037N53037 |
| San Juan County, Washington | NCNTY53055N53055 |
| ZIP | Metro area |
|---|---|
| 98004 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98006 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98007 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98008 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98019 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98021 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98029 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98033 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98039 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98040 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98052 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98053 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98065 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98074 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98075 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98101 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98109 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98110 | Bremerton-Silverdale-Port Orchard, WA MSA |
| 98121 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98122 | Seattle-Bellevue, WA HUD Metro FMR Area |
| 98314 | Bremerton-Silverdale-Port Orchard, WA MSA |
| 98315 | Bremerton-Silverdale-Port Orchard, WA MSA |
| 98327 | Tacoma, WA HUD Metro FMR Area |
| 98332 | Tacoma, WA HUD Metro FMR Area |
| 98340 | Bremerton-Silverdale-Port Orchard, WA MSA |
| 98360 | Tacoma, WA HUD Metro FMR Area |
| 98375 | Tacoma, WA HUD Metro FMR Area |
| 98380 | Bremerton-Silverdale-Port Orchard, WA MSA |
| 98383 | Bremerton-Silverdale-Port Orchard, WA MSA |
| 98391 | Tacoma, WA HUD Metro FMR Area |
| 98422 | Tacoma, WA HUD Metro FMR Area |
| 98513 | Olympia-Lacey-Tumwater, WA MSA |
| 98516 | Olympia-Lacey-Tumwater, WA MSA |
| 98616 | Longview-Kelso, WA MSA |
| 99011 | Spokane, WA HUD Metro FMR Area |
| 99016 | Spokane, WA HUD Metro FMR Area |
| 99019 | Spokane, WA HUD Metro FMR Area |
| 99353 | Kennewick-Richland, WA MSA |
HUD designates a metro ZIP code (SDDA) or non-metro county as a DDA when its Fair Market Rent or construction costs are high relative to area median income. New LIHTC construction in a DDA qualifies for a 130% qualified basis — the same 30% boost QCTs receive. For Washington investors, DDA and QCT overlays together map where affordable-housing capital is flowing hardest.
A Difficult Development Area (DDA) is a HUD-designated metro ZIP code or non-metro county where land, construction, and utility costs are high relative to Area Median Income. HUD republishes the Washington list annually.
A LIHTC project in a designated DDA may qualify for a 30% increase in eligible basis — the same boost available in a Qualified Census Tract — which raises the credit amount the project can claim.
Small Area DDAs (SDDAs) are designated at the ZIP-code level inside metro areas, so one Washington metro can contain both designated and undesignated ZIPs. Non-metro DDAs are designated at the county level.
DDA status signals a high-cost submarket relative to local incomes, which usually means higher purchase prices and construction budgets. It does not change loan eligibility on its own; business-purpose financing is underwritten on the property's economics and lender guidelines.
Every update below is a published figure from a named federal source, shown with the exact period that source covers. Where a dataset is only produced at county or state level, it is labelled that way rather than presented as city data. These are market statistics for informational purposes only — they are not rates, loan terms, or an offer of credit.
The most recent published Census reading for Washington shows a median owner-occupied home value of $519,800, a median gross rent of $1,682 per month. These are survey estimates for the period shown, not live listing prices, and they are the starting point investors use to sanity-check a rent assumption before underwriting a DSCR file.
Census reports a population of 7,740,984, a median household income of $94,952, a rental vacancy estimate of 7.4% for Washington. Income and vacancy set the practical ceiling on achievable rent, which is what a DSCR calculation is ultimately built on.
Source periods represented above: ACS estimates, ACS 5-Year 2023. Each figure updates only when its publisher releases a new period — we never restamp an older reading with a newer date.
Informational market data only. Nothing in this section is a rate, an annual percentage rate, a payment, a loan term, an approval, or an offer or commitment to lend. Citing a federal dataset does not imply the agency endorses, sponsors or is affiliated with Simply Approved Mortgages LLC (NMLS #2620881). Financing referenced on this page is business-purpose investment property financing.
Send the address and we'll pull the FMR, confirm DDA/QCT overlap, and reply with DSCR pricing feedback.
Get Your Personalized Rate QuoteA DSCR file is judged on the property, not your tax returns: qualifying rent divided by PITIA — principal, interest, taxes, insurance, plus HOA and flood where they apply. Most programs use the lesser of the in-place lease rent and the appraiser's market rent, so a lease signed below market usually caps the ratio no matter how strong the comps look.
Three inputs move the outcome more than anything else: rent support on the appraiser's rent schedule (Form 1007 or 1025), the LTV tier, and the credit tier. Dropping leverage by five points or moving up a FICO band frequently changes pricing more than shopping a different lender does.
Before you write an offer, price taxes and insurance at post-sale levels rather than the seller's current bill. In reassess-on-transfer states and in coastal insurance markets, that single adjustment is the most common reason a deal that penciled at contract fails the ratio at underwriting.
Reviewed by Simply Approved Mortgages · NMLS #2620881. Business-purpose investor lending only.
Pick the loan type that fits your deal and complete a short, tailored pre-qualification. A licensed loan officer follows up with an initial scenario review once we have your credit authorization and supporting documents — usually the same business day. Formal pricing and terms follow underwriting.
The form below is tailored to DSCR rental loan — only the questions your program needs.
Every DSCR / business-purpose loan file needs a tri-merge credit report so we can verify identity, price your rate tier accurately, and confirm reserves and payment history for the underwriter. Cleaner credit typically unlocks a better rate and higher leverage.
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