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Mill City city, OR

ZIP 97360 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 97360

Median Home Value
$281,100
Median Rent
$1,021
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,806/mo PITI).

18%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

22.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 97360 in Mill City city, OR, a household would need roughly $77,000 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 $1,806. That is roughly in line with the local median household income ($68,912). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.0%+13% vs US avg
x
Vacancy Rate
17.1%+66% vs US avg
x
Broadband Access
94.4%+8% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
7.9%-38% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
30.3%-39% vs US avg
x
Mortgage-Free
27.2%-29% vs US avg
x
$281,100
Home Value
$1,021
Rent
1971
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached80.6%
  • 1-unit attached2.9%
  • 2-9 units6.1%
  • 10+ units0.0%
  • Mobile home & other10.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$281,100
Median rent$1,021
Owner-occupied74.0%
Vacant17.1%
Price-to-income4.1x
Est. income to buy$77,000