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Mount Vernon city, OR

ZIP 97865 — 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 97865

Median Home Value
$191,200
Median Rent
$515
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,228/mo PITI).

11%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

30.9 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 97865 in Mount Vernon city, OR, a household would need roughly $53,000 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 $1,228. That is roughly in line with the local median household income ($57,103). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.4%+31% vs US avg
x
Vacancy Rate
17.7%+72% vs US avg
x
Broadband Access
88.9%+2% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
11.7%-9% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.9%-80% vs US avg
x
Mortgage-Free
55.8%+46% vs US avg
x
$191,200
Home Value
$515
Rent
1976
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached65.0%
  • 1-unit attached0.0%
  • 2-9 units0.5%
  • 10+ units0.0%
  • Mobile home & other34.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$191,200
Median rent$515
Owner-occupied85.4%
Vacant17.7%
Price-to-income3.3x
Est. income to buy$53,000