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McKay CDP, OR

ZIP 97868 — 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 97868

Median Home Value
$190,300
Median Rent
$764
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,222/mo PITI).

10%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.8 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 97868 in McKay CDP, OR, a household would need roughly $52,000 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 $1,222. That sits below the local median household income ($95,893), 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

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.1%+33% vs US avg
x
Vacancy Rate
16.6%+61% vs US avg
x
Broadband Access
86.0%-1% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
11.2%-13% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
1.2%-98% vs US avg
x
Mortgage-Free
35.5%-7% vs US avg
x
$190,300
Home Value
$764
Rent
1955
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached85.2%
  • 1-unit attached0.5%
  • 2-9 units0.0%
  • 10+ units0.1%
  • Mobile home & other14.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$190,300
Median rent$764
Owner-occupied87.1%
Vacant16.6%
Price-to-income2.0x
Est. income to buy$52,000