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Roseburg North CDP, OR

ZIP 97495 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 97495

Median Home Value
$440,000
Median Rent
$958
Affordability Snapshot
$121,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,826/mo PITI).

15%
Rent-to-Income Ratio

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

5.8x
Home Price-to-Income Ratio

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

38.3 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 97495 in Roseburg North CDP, OR, a household would need roughly $121,000 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 $2,826. That is about 61% above the local median household income ($75,385), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
90.2%+38% vs US avg
x
Vacancy Rate
2.3%-78% vs US avg
x
Broadband Access
78.6%-10% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
11.7%-76% vs US avg
x
Mortgage-Free
42.8%+12% vs US avg
x
$440,000
Home Value
$958
Rent
1990
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached68.1%
  • 1-unit attached3.0%
  • 2-9 units5.0%
  • 10+ units0.0%
  • Mobile home & other23.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$440,000
Median rent$958
Owner-occupied90.2%
Vacant2.3%
Price-to-income5.8x
Est. income to buy$121,000