97882 — Umatilla County, Oregon Market Snapshot
Housing market data for zip code 97882 in Umatilla County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$281,989
Days to Sell
41
Homes Sold
28
Inventory
19
Sale-to-List
99.8%
New Listings
26
Price/SqFt
$229
Pending Sales
25
Conforming Loan Available
Most homebuyers in 97882 can comfortably use conventional financing. The median home price of $281,989 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
97882's market is balanced with homes taking an average of 41 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 97882 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 97882 can comfortably use conventional financing. The median home price of $281,989 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 97882 are set at the county level.
2026 Loan Limits — Umatilla 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 97882
To purchase the median home at $281,989 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,311.
Monthly Payment
$2,311
Income Required
$99,022
Principal & Interest
$1,738/mo
Down Payment (5%)
$14,099
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 97882.
Estimated Monthly Payment
$1,895
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