97018 — Columbia County, Oregon Market Snapshot
Housing market data for zip code 97018 in Columbia County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$470,962
Days to Sell
56
Homes Sold
10
Inventory
9
Sale-to-List
100.4%
New Listings
12
Price/SqFt
$249
Pending Sales
9
Conforming Loan Available
Most homebuyers in 97018 can comfortably use conventional financing. The median home price of $470,962 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
97018's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 97018 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 97018 can comfortably use conventional financing. The median home price of $470,962 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 97018 are set at the county level.
2026 Loan Limits — Columbia County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $701,500 |
| 2 Units | $1,066,250 | $898,050 |
| 3 Units | $1,288,800 | $1,085,550 |
| 4 Units | $1,601,750 | $1,349,050 |
Affordability Snapshot — Zip 97018
To purchase the median home at $470,962 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,758.
Monthly Payment
$3,758
Income Required
$161,073
Principal & Interest
$2,902/mo
Down Payment (5%)
$23,548
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 97018.
Estimated Monthly Payment
$3,065
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