Median home value is about $444,400 — about 28% above the U.S. median home value ($348,079).
Housing tenure and rents show owner-occupancy near 82.9% (about 17.5 points above the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 97388 in Lincoln Beach, 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 $2,855. That is about 73% above the local median household income ($70,403), 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.