97458 — Coos County, Oregon Market Snapshot
Housing market data for zip code 97458 in Coos County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$363,000
Days to Sell
41
Homes Sold
10
Inventory
20
Sale-to-List
97.8%
New Listings
20
Price/SqFt
$177
Pending Sales
15
Conforming Loan Available
Most homebuyers in 97458 can comfortably use conventional financing. The median home price of $363,000 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
97458's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 97458 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 97458 can comfortably use conventional financing. The median home price of $363,000 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 97458 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 97458
To purchase the median home at $363,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,931.
Monthly Payment
$2,931
Income Required
$125,622
Principal & Interest
$2,237/mo
Down Payment (5%)
$18,150
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 97458.
Estimated Monthly Payment
$2,397
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 97458. Tell us what you're looking for.