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Elkton city, OR

ZIP 97436 — 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 97436

Median Home Value
$330,800
Median Rent
$723
Affordability Snapshot
$91,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,125/mo PITI).

18%
Rent-to-Income Ratio

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

6.7x
Home Price-to-Income Ratio

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

38.1 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 97436 in Elkton city, OR, a household would need roughly $91,000 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 $2,125. That is about 86% above the local median household income ($49,028), 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

Vacancy rate 26% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.8%+8% vs US avg
x
Vacancy Rate
26.3%+156% vs US avg
x
Broadband Access
82.8%-5% vs US avg
x
4+ Bedrooms
1.4%-91% vs US avg
x
Built Pre-1939
9.9%-22% vs US avg
x
Built Post-2014
2.5%-63% vs US avg
x
Rent Burden >30%
6.5%-87% vs US avg
x
Mortgage-Free
48.7%+27% vs US avg
x
$330,800
Home Value
$723
Rent
1976
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached73.9%
  • 1-unit attached3.7%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other22.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$330,800
Median rent$723
Owner-occupied70.8%
Vacant26.3%
Price-to-income6.7x
Est. income to buy$91,000