97759 — Deschutes County, Oregon Market Snapshot
Housing market data for zip code 97759 in Deschutes County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
52 sales in 2026 (year to date)
Median Sale Price
$782,500
Days to Sell
30
Homes Sold
52
Inventory
123
Sale-to-List
97.7%
New Listings
131
Price/SqFt
$417
Pending Sales
70
Conforming Loan Available
The median home in 97759 at $782,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
97759's market is balanced with homes taking an average of 30 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 97759 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 97759 at $782,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 97759 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 97759
To purchase the median home at $782,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,145.
Monthly Payment
$6,145
Income Required
$263,369
Principal & Interest
$4,822/mo
Down Payment (5%)
$39,125
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 97759.
Estimated Monthly Payment
$4,993
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