97058 — Wasco County, Oregon Market Snapshot
Housing market data for zip code 97058 in Wasco County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
62 sales in 2026 (year to date)
Median Sale Price
$399,250
Days to Sell
31
Homes Sold
62
Inventory
47
Sale-to-List
98.4%
New Listings
76
Price/SqFt
$248
Pending Sales
70
Conforming Loan Available
Most homebuyers in 97058 can comfortably use conventional financing. The median home price of $399,250 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
97058's market is balanced with homes taking an average of 31 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 97058 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 97058 can comfortably use conventional financing. The median home price of $399,250 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 97058 are set at the county level.
2026 Loan Limits — Wasco 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 97058
To purchase the median home at $399,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,209.
Monthly Payment
$3,209
Income Required
$137,525
Principal & Interest
$2,460/mo
Down Payment (5%)
$19,963
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 97058.
Estimated Monthly Payment
$2,621
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