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Eugene city, OR

ZIP 97401 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 97401

Median Home Value
$472,200
Median Rent
$1,208
Affordability Snapshot
$130,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,033/mo PITI).

28%
Rent-to-Income Ratio

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

9.2x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

32.6 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 97401 in Eugene city, OR, a household would need roughly $130,000 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 $3,033. That is about 154% above the local median household income ($51,244), 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.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
30.2%-54% vs US avg
x
Vacancy Rate
5.1%-51% vs US avg
x
Broadband Access
87.7%+1% vs US avg
x
4+ Bedrooms
1.7%-89% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
34.3%-31% vs US avg
x
Mortgage-Free
36.6%-4% vs US avg
x
$472,200
Home Value
$1,208
Rent
1984
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached32.7%
  • 1-unit attached6.0%
  • 2-9 units20.9%
  • 10+ units40.1%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$472,200
Median rent$1,208
Owner-occupied30.2%
Vacant5.1%
Price-to-income9.2x
Est. income to buy$130,000