ZIP Code 97420 — Coos Bay city, OR Demographics & Data

ZIP code 97420 covers Coos Bay, OR in Coos County with a population of about 27,579.

At a glance, the area shows median age of 44.5 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 97420 is about $61,624 — about 18% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.0%; unemployment rate near 4.3%; 19.3% of adults with a bachelor’s degree or higher (about 14.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Food services; about 8.7% of workers reporting work-from-home (about 6.5 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 $282,300 — about 19% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $841 (about 28% below the U.S. median rent ($1,163)), and owner-occupancy near 67.4% (about 2.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 97420 in Coos Bay, OR, a household would need roughly $78,000 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 $1,813. That is about 27% above the local median household income ($61,624), 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 Coos Bay city, OR as Relatively Moderate (composite score 91.9), which is among the highest nationally. The strongest component scores on US5 are flood (85.6) and wildfire (64.8). 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 Coos Bay city, OR show little to no average snow and around 59.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,400 for ZIP 97420 (Coos Bay 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.