97739 — Deschutes County, Oregon Market Snapshot
Housing market data for zip code 97739 in Deschutes County, Oregon. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Deschutes County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$365,000
Days to Sell
15
Homes Sold
1
Inventory
1
Conforming Loan Available
Most homebuyers in 97739 can comfortably use conventional financing. The median home price of $365,000 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
Homes in 97739 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 97739 can comfortably use conventional financing. The median home price of $365,000 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 97739 are set at the county level.
2026 Loan Limits — Deschutes County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $718,750 |
| 2 Units | $1,066,250 | $920,150 |
| 3 Units | $1,288,800 | $1,112,250 |
| 4 Units | $1,601,750 | $1,382,250 |
Affordability Snapshot — Zip 97739
To purchase the median home at $365,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,947.
Monthly Payment
$2,947
Income Required
$126,279
Principal & Interest
$2,249/mo
Down Payment (5%)
$18,250
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 97739.
Estimated Monthly Payment
$2,409
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 97739. Tell us what you're looking for.