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Umatilla city, OR

ZIP 97882 — 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 97882

Median Home Value
$192,100
Median Rent
$910
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,234/mo PITI).

18%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

17.6 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 97882 in Umatilla 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 $1,234. That sits below the local median household income ($60,474), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
69.4%+6% vs US avg
x
Vacancy Rate
5.0%-51% vs US avg
x
Broadband Access
84.4%-3% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
2.1%-83% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
16.4%-67% vs US avg
x
Mortgage-Free
43.7%+14% vs US avg
x
$192,100
Home Value
$910
Rent
1991
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached46.9%
  • 1-unit attached0.0%
  • 2-9 units12.1%
  • 10+ units6.0%
  • Mobile home & other34.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$192,100
Median rent$910
Owner-occupied69.4%
Vacant5.0%
Price-to-income3.2x
Est. income to buy$53,000