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Ashland city, OR

ZIP 97520 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 97520

Median Home Value
$568,700
Median Rent
$1,241
Affordability Snapshot
$157,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,653/mo PITI).

21%
Rent-to-Income Ratio

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

8.0x
Home Price-to-Income Ratio

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

38.2 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 97520 in Ashland city, 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.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
56.8%-13% vs US avg
x
Vacancy Rate
10.8%+5% vs US avg
x
Broadband Access
91.4%+5% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
6.8%-47% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
25.6%-49% vs US avg
x
Mortgage-Free
48.5%+27% vs US avg
x
$568,700
Home Value
$1,241
Rent
1980
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 detached60.3%
  • 1-unit attached11.0%
  • 2-9 units12.7%
  • 10+ units9.1%
  • Mobile home & other6.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$568,700
Median rent$1,241
Owner-occupied56.8%
Vacant10.8%
Price-to-income8.0x
Est. income to buy$157,000