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Eugene city, OR

ZIP 97403 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 97403

Median Home Value
$550,900
Median Rent
$1,128
Affordability Snapshot
$152,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,539/mo PITI).

29%
Rent-to-Income Ratio

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

11.7x
Home Price-to-Income Ratio

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

40.7 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 97403 in Eugene city, OR, a household would need roughly $152,000 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 $3,539. That is about 223% above the local median household income ($47,103), 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
38.1%-42% vs US avg
x
Vacancy Rate
8.4%-19% vs US avg
x
Broadband Access
83.4%-4% vs US avg
x
4+ Bedrooms
3.3%-77% vs US avg
x
Built Pre-1939
13.4%+4% vs US avg
x
Built Post-2014
1.3%-82% vs US avg
x
Rent Burden >30%
40.9%-18% vs US avg
x
Mortgage-Free
47.2%+24% vs US avg
x
$550,900
Home Value
$1,128
Rent
1972
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 detached47.2%
  • 1-unit attached4.9%
  • 2-9 units11.8%
  • 10+ units27.1%
  • Mobile home & other9.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$550,900
Median rent$1,128
Owner-occupied38.1%
Vacant8.4%
Price-to-income11.7x
Est. income to buy$152,000