97498 — Lincoln County, Oregon Market Snapshot
Housing market data for zip code 97498 in Lincoln County, Oregon. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 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
8 sales in 2026 (year to date)
Median Sale Price
$711,000
Days to Sell
169
Homes Sold
8
Inventory
23
Conforming Loan Available
The median home in 97498 at $711,000 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
With homes sitting for 169 days on average, 97498 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 97498 at $711,000 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 97498 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 97498
To purchase the median home at $711,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,597.
Monthly Payment
$5,597
Income Required
$239,891
Principal & Interest
$4,381/mo
Down Payment (5%)
$35,550
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 97498.
Estimated Monthly Payment
$4,550
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