ZIP Code 97045 — Oregon City city, OR Demographics & Data

ZIP code 97045 covers Oregon City, OR in Clackamas County with a population of about 57,432.

At a glance, the area shows median age of 39.4 (near the U.S. median).

It sits in telephone area codes 503, 971; U.S. House district OR-5; the PORTLAND, OR media market.

Oregon City, OR sits in a university / college context (near clackamas community college (1.9 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 97045 is about $100,388 — about 34% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.6%; unemployment rate near 4.4%; 32.6% of adults with a bachelor’s degree or higher (about 1.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Retail trade; about 16.2% of workers reporting work-from-home (about 1.0 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $563,600 — about 62% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,427 (about 23% above the U.S. median rent ($1,163)), and owner-occupancy near 74.8% (about 9.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 97045 in Oregon City, OR, a household would need roughly $155,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,620. That is about 54% above the local median household income ($100,388), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Oregon City city, OR as Relatively High (composite score 94.9), which is among the highest nationally. The strongest component scores on US5 are flood (93.7) and wildfire (86.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Oregon City city, OR show little to no average snow and around 44.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,915 for ZIP 97045 (Oregon City city, OR) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.