97478 — Lane County, Oregon Market Snapshot
Housing market data for zip code 97478 in Lane County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
95 sales in 2026 (year to date)
Median Sale Price
$442,271
Days to Sell
24
Homes Sold
95
Inventory
76
Sale-to-List
99.3%
New Listings
152
Price/SqFt
$296
Pending Sales
119
Conforming Loan Available
Most homebuyers in 97478 can comfortably use conventional financing. The median home price of $442,271 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 97478 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 97478 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 97478 can comfortably use conventional financing. The median home price of $442,271 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 97478 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 97478
To purchase the median home at $442,271 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,539.
Monthly Payment
$3,539
Income Required
$151,652
Principal & Interest
$2,725/mo
Down Payment (5%)
$22,114
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 97478.
Estimated Monthly Payment
$2,887
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