97420 — Coos County, Oregon Market Snapshot
Housing market data for zip code 97420 in Coos County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
62 sales in 2026 (year to date)
Median Sale Price
$327,500
Days to Sell
28
Homes Sold
62
Inventory
90
Sale-to-List
97.6%
New Listings
115
Price/SqFt
$239
Pending Sales
81
Conforming Loan Available
Most homebuyers in 97420 can comfortably use conventional financing. The median home price of $327,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 97420 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 97420 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 97420 can comfortably use conventional financing. The median home price of $327,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 97420 are set at the county level.
2026 Loan Limits — Coos County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 97420
To purchase the median home at $327,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,659.
Monthly Payment
$2,659
Income Required
$113,966
Principal & Interest
$2,018/mo
Down Payment (5%)
$16,375
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 97420.
Estimated Monthly Payment
$2,177
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 97420. Tell us what you're looking for.