97376 — Lincoln County, Oregon Market Snapshot
Housing market data for zip code 97376 in Lincoln County, Oregon. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 3 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Lincoln County county page for broader data.
Market Sales Data
3 sales in 2026 (year to date)
Median Sale Price
$699,000
Days to Sell
12
Homes Sold
3
Inventory
13
Conforming Loan Available
The median home in 97376 at $699,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
97376 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
The median home in 97376 at $699,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 97376 are set at the county level.
2026 Loan Limits — Lincoln 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 97376
To purchase the median home at $699,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,506.
Monthly Payment
$5,506
Income Required
$235,951
Principal & Interest
$4,307/mo
Down Payment (5%)
$34,950
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 97376.
Estimated Monthly Payment
$4,476
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