97457 — Douglas County, Oregon Market Snapshot
Housing market data for zip code 97457 in Douglas County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$302,000
Days to Sell
31
Homes Sold
15
Inventory
31
Sale-to-List
100.5%
New Listings
35
Price/SqFt
$246
Pending Sales
25
Conforming Loan Available
Most homebuyers in 97457 can comfortably use conventional financing. The median home price of $302,000 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
97457's market is balanced with homes taking an average of 31 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 97457 (100.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 97457 can comfortably use conventional financing. The median home price of $302,000 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 97457 are set at the county level.
2026 Loan Limits — Douglas 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 97457
To purchase the median home at $302,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,464.
Monthly Payment
$2,464
Income Required
$105,593
Principal & Interest
$1,861/mo
Down Payment (5%)
$15,100
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 97457.
Estimated Monthly Payment
$2,019
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