US5.com
  1. Home
  2. States
  3. Oregon
  4. ZIP 97738
  5. Housing & Real Estate
Hines city, OR

ZIP 97738 — 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 97738

Median Home Value
$199,500
Median Rent
$387
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,282/mo PITI).

7%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

43.0 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 97738 in Hines city, OR, a household would need roughly $55,000 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 $1,282. That sits below the local median household income ($70,250), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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
76.9%+18% vs US avg
x
Vacancy Rate
3.8%-63% vs US avg
x
Broadband Access
90.3%+4% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
2.6%-79% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
31.4%-37% vs US avg
x
Mortgage-Free
40.3%+6% vs US avg
x
$199,500
Home Value
$387
Rent
1967
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached76.0%
  • 1-unit attached0.0%
  • 2-9 units5.2%
  • 10+ units9.6%
  • Mobile home & other9.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$199,500
Median rent$387
Owner-occupied76.9%
Vacant3.8%
Price-to-income2.8x
Est. income to buy$55,000