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Cannon Beach city, OR

ZIP 97145 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 97145

Median Home Value
$693,500
Median Rent
$863
Affordability Snapshot
$191,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,455/mo PITI).

9%
Rent-to-Income Ratio

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

6.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

67.0 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 97145 in Cannon Beach city, OR, a household would need roughly $191,000 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 $4,455. That is about 68% above the local median household income ($113,500), 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.

Housing Tenure

Vacancy rate 73% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
64.0%-2% vs US avg
x
Vacancy Rate
73.2%+610% vs US avg
x
Broadband Access
94.8%+9% vs US avg
x
4+ Bedrooms
8.7%-41% vs US avg
x
Built Pre-1939
15.1%+18% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
14.5%-71% vs US avg
x
Mortgage-Free
42.7%+12% vs US avg
x
$693,500
Home Value
$863
Rent
1958
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached80.7%
  • 1-unit attached3.6%
  • 2-9 units14.5%
  • 10+ units0.0%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$693,500
Median rent$863
Owner-occupied64.0%
Vacant73.2%
Price-to-income6.1x
Est. income to buy$191,000