97110 — Clatsop County, Oregon Market Snapshot
Housing market data for zip code 97110 in Clatsop County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$1,130,000
Days to Sell
21
Homes Sold
15
Inventory
22
Sale-to-List
97.6%
New Listings
25
Price/SqFt
$791
Pending Sales
17
Jumbo Loan Likely Needed
The median home in 97110 at $1,130,000 exceeds the 2026 conforming loan limit of $832,750 by $297,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 97110 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 97110 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 97110 at $1,130,000 exceeds the 2026 conforming loan limit of $832,750 by $297,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 97110 are set at the county level.
2026 Loan Limits — Clatsop County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $563,500 |
| 2 Units | $1,066,250 | $721,400 |
| 3 Units | $1,288,800 | $872,000 |
| 4 Units | $1,601,750 | $1,083,650 |
Affordability Snapshot — Zip 97110
To purchase the median home at $1,130,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,808.
Monthly Payment
$8,808
Income Required
$377,473
Principal & Interest
$6,963/mo
Down Payment (5%)
$56,500
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 97110.
Estimated Monthly Payment
$7,143
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 97110.
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