97426 — Lane County, Oregon Market Snapshot
Housing market data for zip code 97426 in Lane County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$501,836
Days to Sell
36
Homes Sold
20
Inventory
20
Sale-to-List
99.8%
New Listings
31
Price/SqFt
$318
Pending Sales
28
Conforming Loan Available
Most homebuyers in 97426 can comfortably use conventional financing. The median home price of $501,836 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
97426's market is balanced with homes taking an average of 36 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 97426 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 97426 can comfortably use conventional financing. The median home price of $501,836 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 97426 are set at the county level.
2026 Loan Limits — Lane 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 97426
To purchase the median home at $501,836 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,995.
Monthly Payment
$3,995
Income Required
$171,210
Principal & Interest
$3,092/mo
Down Payment (5%)
$25,092
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 97426.
Estimated Monthly Payment
$3,256
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