97524 — Jackson County, Oregon Market Snapshot
Housing market data for zip code 97524 in Jackson County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
68 sales in 2026 (year to date)
Median Sale Price
$473,450
Days to Sell
75
Homes Sold
68
Inventory
81
Sale-to-List
98.6%
New Listings
95
Price/SqFt
$252
Pending Sales
67
Conforming Loan Available
Most homebuyers in 97524 can comfortably use conventional financing. The median home price of $473,450 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
With homes sitting for 75 days on average, 97524 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 97524 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 97524 can comfortably use conventional financing. The median home price of $473,450 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 97524 are set at the county level.
2026 Loan Limits — Jackson 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 97524
To purchase the median home at $473,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,777.
Monthly Payment
$3,777
Income Required
$161,890
Principal & Interest
$2,917/mo
Down Payment (5%)
$23,673
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 97524.
Estimated Monthly Payment
$3,080
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