97818 — Morrow County, Oregon Market Snapshot
Housing market data for zip code 97818 in Morrow County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$381,885
Days to Sell
129
Homes Sold
11
Inventory
14
Sale-to-List
99.1%
New Listings
19
Price/SqFt
$228
Pending Sales
16
Conforming Loan Available
Most homebuyers in 97818 can comfortably use conventional financing. The median home price of $381,885 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
With homes sitting for 129 days on average, 97818 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 97818 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 97818 can comfortably use conventional financing. The median home price of $381,885 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 97818 are set at the county level.
2026 Loan Limits — Morrow 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 97818
To purchase the median home at $381,885 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,076.
Monthly Payment
$3,076
Income Required
$131,823
Principal & Interest
$2,353/mo
Down Payment (5%)
$19,094
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 97818.
Estimated Monthly Payment
$2,513
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