97127 — Yamhill County, Oregon Market Snapshot
Housing market data for zip code 97127 in Yamhill County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$462,804
Days to Sell
88
Homes Sold
27
Inventory
20
Sale-to-List
99.0%
New Listings
28
Price/SqFt
$280
Pending Sales
22
Conforming Loan Available
Most homebuyers in 97127 can comfortably use conventional financing. The median home price of $462,804 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 88 days on average, 97127 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 97127 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 97127 can comfortably use conventional financing. The median home price of $462,804 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 97127 are set at the county level.
2026 Loan Limits — Yamhill County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $701,500 |
| 2 Units | $1,066,250 | $898,050 |
| 3 Units | $1,288,800 | $1,085,550 |
| 4 Units | $1,601,750 | $1,349,050 |
Affordability Snapshot — Zip 97127
To purchase the median home at $462,804 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,696.
Monthly Payment
$3,696
Income Required
$158,394
Principal & Interest
$2,852/mo
Down Payment (5%)
$23,140
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 97127.
Estimated Monthly Payment
$3,014
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