97140 — Yamhill County, Oregon Market Snapshot
Housing market data for zip code 97140 in Yamhill County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
115 sales in 2026 (year to date)
Median Sale Price
$669,950
Days to Sell
28
Homes Sold
115
Inventory
74
Sale-to-List
100.3%
New Listings
153
Price/SqFt
$295
Pending Sales
142
Conforming Loan Available
The median home in 97140 at $669,950 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 97140 are moving quickly at 28 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 97140 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 97140 at $669,950 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 97140 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 97140
To purchase the median home at $669,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,283.
Monthly Payment
$5,283
Income Required
$226,412
Principal & Interest
$4,128/mo
Down Payment (5%)
$33,498
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 97140.
Estimated Monthly Payment
$4,296
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