ZIP Code 97520 — Ashland city, OR Demographics & Data

ZIP code 97520 covers Ashland, OR in Jackson County with a population of about 26,983.

At a glance, the area shows median age of 47.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 458, 541; U.S. House district OR-2; the MEDFORD - KLAMATH FALLS media market.

Median household income in ZIP 97520 is about $71,485 — about 5% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.3%; unemployment rate near 5.7%; 61.0% of adults with a bachelor’s degree or higher (about 27.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Food services; about 21.5% of workers reporting work-from-home (about 6.3 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 $568,700 — about 63% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,241 (about 7% above the U.S. median rent ($1,163)), and owner-occupancy near 56.8% (about 8.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 97520 in Ashland, OR, a household would need roughly $157,000 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 $3,653. That is about 120% above the local median household income ($71,485), 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 Ashland city, OR as Relatively Moderate (composite score 92.5), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.0) and flood (93.1). 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 Ashland city, OR show little to no average snow and around 19.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,370 for ZIP 97520 (Ashland 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.