Real Estate Investing in La Crosse, Washington (99143)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Whitman County • Population: 603 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 99143 (La Crosse, WA)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (38/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
3 flags
  • High vacancy: 17.1% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • Lower household income: $37,083 median — tenant affordability is tighter.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in La Crosse, WA (99143)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $289,659
Avg Monthly Rent $1,251
1% Rule ✗ Does Not Meet
Median Income $37,083
% Renters 15.1%

Market Analysis: 99143 La Crosse

The 99143 ZIP covers a section of La Crosse that demands careful diligence. Prices near $290K look accessible, but the work to make a deal cash flow is real.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $290K asset, 99143 is the wrong submarket. If the plan prices in friction, the yield can still work.

The gap between 99143 and stronger La Crosse ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Resident income in 99143 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

The 99143 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in La Crosse:

C Below Average
Buy Confidence Score: 51/100
Affordability
5/25
Appreciation
18/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 7.8× the median income
Value Trend
Declining (-1.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,251/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Pullman, WA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.9%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Pullman, WA metro data

Market Trends

Home Value History (with trend line)

$315K$280K$245K$211K$176K$141KFeb 2016May 2021Jul 2026

📊 How Does 99143 Compare?

Metric 99143 La Crosse Pullman, WA Washington
Home Value $289,659 $289,659 N/A $591,536
5-Year CAGR 3.4% 3.4% N/A 5.9%
Avg Rent $1,251 $1,251 N/A -
Cap Rate 3.4% 3.4% - -
💡 Why Invest in 99143? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 99143 (La Crosse, WA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.4%
Low
5yr Growth
+3.4%
Moderate

📉 Market Crash Risk Index

Based on Pullman, WA metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
47%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $289,659
Monthly Rent $1,251
Price-to-Rent 19.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.2%
Cap Rate 3.4%
5-Year IRR 6.7%

📈 Home Appreciation

1-Year -1.9% ▼
3-Year CAGR 0.0% ▼
5-Year CAGR +3.4% ▲
10-Year CAGR +5.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
17.1%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+3.4%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 99143

Population: 603

💰 Median Household Income
$37,083
This area
$37,083
State
$83,286
USA
$74,580
🏠 Renter Occupied
15.1%
This area
15.1%
State
29.3%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-13.7%
USA
3.7%
🎓 College Educated
35.4%
This area
35.4%
State
10.6%
USA
33.7%
👤 Median Age
55.1 years
This area
55.1 years
State
10.2 years
USA
38.9 years
🏚️ Vacancy Rate
17.1%
This area
17.1%
State
14.9%
USA
10.5%
👥 Population by Ethnicity
White 75.7%
Other/Mixed 23.2%
Hispanic/Latino 17.4%
Black/African American 1.2%
👶 Under 18
17.2%
This area
17.2%
USA
22.0%
👴 65 and Over
26.9%
This area
26.9%
USA
17.3%
📊 Poverty Rate
4.9%
This area
4.9%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 99143

A Avg School Grade
2 Schools
5.3:1 Avg Class Size
$73,263 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Lacrosse Elementary School

📚 K – 08 School
👥
33 Students
👨‍🏫
5.3:1 Class Size
💰
$73,263 Per Student
A Very Good

Lacrosse High School

📚 06 – 12 High School
👥
41 Students
👨‍🏫
5.3:1 Class Size
💰
$73,263 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

Is housing expensive in La Crosse, WA?

The median home value in La Crosse, WA is roughly $290K. That puts it reasonable relative to the WA statewide average.

Is La Crosse, WA good for house hacking?

For house hackers, La Crosse, WA is a challenging. The $1,251/mo rent on a unit helps defray the mortgage on a $290K property.

What kind of vacancy should I budget for in La Crosse, WA?

La Crosse, WA sees elevated vacancy, which is reasonable relative to the broader WA rental market.

How do landlord-tenant laws work in La Crosse, WA?

For rental operators, La Crosse, WA rates as tenant-protective. The regulatory environment standard buy-and-hold operations.

How strong is tenant demand in La Crosse, WA?

La Crosse, WA offers a even-keeled renter base at the $1,251/mo rent level. Tenant turnover is reasonable for well-managed properties.

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How 99143 ranks in Pullman, WA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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