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Lafayette city, OR

ZIP 97127 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 97127

Median Home Value
$383,000
Median Rent
$958
Affordability Snapshot
$105,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,460/mo PITI).

12%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

33.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 97127 in Lafayette city, OR, a household would need roughly $105,000 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 $2,460. That is roughly in line with the local median household income ($96,419). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
89.1%+36% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
93.8%+8% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
17.9%-53% vs US avg
x
$383,000
Home Value
$958
Rent
2001
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached82.0%
  • 1-unit attached0.0%
  • 2-9 units0.8%
  • 10+ units0.0%
  • Mobile home & other17.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$383,000
Median rent$958
Owner-occupied89.1%
Vacant0.0%
Price-to-income4.0x
Est. income to buy$105,000