ZIP Code 97321 — Albany city, OR Demographics & Data

ZIP code 97321 covers Albany, OR in Linn County with a population of about 30,996.

At a glance, the area shows median age of 40.0 (near the U.S. median).

It sits in telephone area codes 458, 541; U.S. House district OR-5; the PORTLAND, OR media market.

Median household income in ZIP 97321 is about $95,687 — about 27% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.6%; unemployment rate near 5.2%; 37.8% of adults with a bachelor’s degree or higher (about 4.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Retail trade; about 16.0% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $442,400 — about 27% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,054 (about 9% below the U.S. median rent ($1,163)), and owner-occupancy near 73.7% (about 8.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 97321 in Albany, OR, a household would need roughly $122,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,842. That is about 27% above the local median household income ($95,687), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Albany city, OR as Relatively Moderate (composite score 88.1), which is elevated versus much of the country. The strongest component scores on US5 are flood (86.3) and wildfire (58.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Albany city, OR show little to no average snow and around 43.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,573 for ZIP 97321 (Albany city, OR) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.