97086 — Clackamas County, Oregon Market Snapshot
Housing market data for zip code 97086 in Clackamas County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
115 sales in 2026 (year to date)
Median Sale Price
$697,000
Days to Sell
40
Homes Sold
115
Inventory
109
Sale-to-List
99.6%
New Listings
167
Price/SqFt
$275
Pending Sales
138
Conforming Loan Available
The median home in 97086 at $697,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
97086's market is balanced with homes taking an average of 40 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 97086 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 97086 at $697,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 97086 are set at the county level.
2026 Loan Limits — Clackamas County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $701,500 |
| 2 Units | $1,066,250 | $898,050 |
| 3 Units | $1,288,800 | $1,085,550 |
| 4 Units | $1,601,750 | $1,349,050 |
Affordability Snapshot — Zip 97086
To purchase the median home at $697,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,490.
Monthly Payment
$5,490
Income Required
$235,294
Principal & Interest
$4,295/mo
Down Payment (5%)
$34,850
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 97086.
Estimated Monthly Payment
$4,464
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