ZIP Code 97408 — Eugene city, OR Demographics & Data

ZIP code 97408 covers Eugene, OR in Lane County with a population of about 15,297.

At a glance, the area shows median age of 41.9 versus a U.S. median of about 38.9.

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

Median household income in ZIP 97408 is about $102,063 — about 36% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.9%; unemployment rate near 5.9%; 49.2% of adults with a bachelor’s degree or higher (about 15.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Education; about 18.3% of workers reporting work-from-home (about 3.1 points above 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 $535,300 — about 54% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,550 (about 33% above the U.S. median rent ($1,163)), and owner-occupancy near 62.8% (about 2.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 97408 in Eugene, OR, a household would need roughly $147,000 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 $3,439. That is about 44% above the local median household income ($102,063), 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 Eugene city, OR as Relatively High (composite score 96.4), which is among the highest nationally. The strongest component scores on US5 are flood (97.2) and wildfire (68.7). 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 Eugene city, OR show little to no average snow and around 40.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 776 for ZIP 97408 (Eugene 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.