ZIP Code 97391 — Toledo city, OR Demographics & Data

ZIP code 97391 covers Toledo, OR in Lincoln County with a population of about 5,944.

At a glance, the area shows median age of 45.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 458, 541; U.S. House district OR-4; the PORTLAND, OR media market.

Median household income in ZIP 97391 is about $57,793 — about 23% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.6%; unemployment rate near 11.5%; 22.6% of adults with a bachelor’s degree or higher (about 11.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Food services, and Construction; about 9.8% of workers reporting work-from-home (about 5.4 points below 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 $355,100 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $894 (about 23% below the U.S. median rent ($1,163)), and owner-occupancy near 66.0% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 97391 in Toledo, OR, a household would need roughly $98,000 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 $2,281. That is about 70% above the local median household income ($57,793), 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 Toledo city, OR as Relatively Moderate (composite score 89.9), which is elevated versus much of the country. The strongest component scores on US5 are flood (86.6) and wildfire (50.8). 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 Toledo city, OR show little to no average snow and around 72.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 302 for ZIP 97391 (Toledo 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.