Easiest ZIP codes to buy in Oregon
Top 25 easiest ZIP codes to buy into in Oregon by price-to-income ratio. #1 is 97867 (North Powder) at about 1.8x. Compare buy-in affordability on US5.
These ZIP codes have the lowest median home price-to-income ratios in Oregon — a practical “buy-in difficulty” signal that combines local home values with local earnings.
Lowest ratios on this board: 97867 (North Powder) at about 1.8x; 97868 (McKay) at about 2.0x; 97820 (Canyon City) at about 2.5x.
Open a ZIP page for an illustrative “estimated income to buy” figure based on a transparent mortgage model (down payment, rate, taxes, and insurance assumptions).
Open any ZIP for a full demographics, income, and housing profile, or return to the Oregon state page for the complete ZIP table.
Ranked ZIP codes
| # | ZIP | City | County | Price-to-income | Population | Income | Home value |
|---|---|---|---|---|---|---|---|
| 1 | 97867 | North Powder | Union County | 1.8x | 1,057 | $82,635 | $148,800 |
| 2 | 97868 | McKay | Umatilla County | 2.0x | 1,531 | $95,893 | $190,300 |
| 3 | 97820 | Canyon City | Grant County | 2.5x | 1,417 | $85,455 | $217,800 |
| 4 | 97761 | Warm Springs | Wasco County | 2.6x | 3,080 | $58,906 | $151,200 |
| 5 | 97886 | Weston | Umatilla County | 2.6x | 1,185 | $90,288 | $235,600 |
| 6 | 97738 | Hines | Harney County | 2.8x | 2,187 | $70,250 | $199,500 |
| 7 | 97844 | Irrigon | Morrow County | 2.9x | 3,569 | $73,917 | $211,600 |
| 8 | 97813 | Athena | Umatilla County | 2.9x | 1,366 | $73,688 | $217,200 |
| 9 | 97348 | Halsey | Linn County | 3.0x | 2,103 | $107,273 | $321,700 |
| 10 | 97875 | Stanfield | Umatilla County | 3.0x | 2,522 | $67,679 | $204,300 |
| 11 | 97882 | Umatilla | Umatilla County | 3.2x | 8,043 | $60,474 | $192,100 |
| 12 | 97633 | Merrill | Klamath County | 3.5x | 1,456 | $61,094 | $211,400 |
| 13 | 97630 | Lakeview | Lake County | 3.6x | 5,484 | $62,208 | $223,600 |
| 14 | 97838 | Hermiston | Umatilla County | 3.6x | 27,979 | $76,032 | $274,400 |
| 15 | 97623 | Bonanza | Klamath County | 3.7x | 2,954 | $76,522 | $280,600 |
| 16 | 97876 | Summerville | Union County | 3.7x | 1,092 | $116,146 | $434,400 |
| 17 | 97452 | Lowell | Lane County | 3.7x | 1,640 | $92,344 | $345,900 |
| 18 | 97836 | Heppner | Morrow County | 3.8x | 2,279 | $75,313 | $283,000 |
| 19 | 97801 | Tutuilla | Umatilla County | 3.8x | 21,930 | $73,308 | $277,600 |
| 20 | 97467 | Winchester Bay | Douglas County | 3.8x | 5,300 | $58,333 | $224,100 |
| 21 | 97845 | John Day | Grant County | 3.9x | 2,326 | $69,899 | $272,200 |
| 22 | 97720 | Crane | Harney County | 3.9x | 4,456 | $43,778 | $170,600 |
| 23 | 97603 | Altamont | Klamath County | 3.9x | 32,212 | $64,272 | $251,100 |
| 24 | 97734 | Culver | Jefferson County | 3.9x | 3,647 | $78,325 | $307,700 |
| 25 | 97883 | Union | Union County | 3.9x | 2,634 | $57,198 | $225,100 |
Frequently asked questions
Which ZIP codes in Oregon are easiest to buy into?
By median home price-to-income ratio, 97867 (North Powder) ranks near the top at about 1.8x. Lower ratios generally mean local incomes go further against local home prices.
How does US5 rank ZIP codes in Oregon?
We rank indexable ZIP codes with both income and home-value data by lowest median home price-to-income ratio (with a population floor).
Where can I explore all ZIP codes in Oregon?
Visit the Oregon state page for the full ZIP table, demographics summary, and sortable income/housing columns.