97504 — Jackson County, Oregon Market Snapshot
Housing market data for zip code 97504 in Jackson County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
182 sales in 2026 (year to date)
Median Sale Price
$487,472
Days to Sell
27
Homes Sold
182
Inventory
192
Sale-to-List
98.4%
New Listings
282
Price/SqFt
$267
Pending Sales
232
Conforming Loan Available
Most homebuyers in 97504 can comfortably use conventional financing. The median home price of $487,472 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 97504 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 97504 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 97504 can comfortably use conventional financing. The median home price of $487,472 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 97504 are set at the county level.
2026 Loan Limits — Jackson 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 97504
To purchase the median home at $487,472 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,885.
Monthly Payment
$3,885
Income Required
$166,494
Principal & Interest
$3,004/mo
Down Payment (5%)
$24,374
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 97504.
Estimated Monthly Payment
$3,167
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