97423 — Coos County, Oregon Market Snapshot
Housing market data for zip code 97423 in Coos County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$305,950
Days to Sell
32
Homes Sold
20
Inventory
37
Sale-to-List
95.9%
New Listings
38
Price/SqFt
$209
Pending Sales
32
Conforming Loan Available
Most homebuyers in 97423 can comfortably use conventional financing. The median home price of $305,950 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
97423's market is balanced with homes taking an average of 32 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 97423 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 97423 can comfortably use conventional financing. The median home price of $305,950 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 97423 are set at the county level.
2026 Loan Limits — Coos County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 97423
To purchase the median home at $305,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,494.
Monthly Payment
$2,494
Income Required
$106,890
Principal & Interest
$1,885/mo
Down Payment (5%)
$15,298
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 97423.
Estimated Monthly Payment
$2,043
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 97423. Tell us what you're looking for.