ZIP Code 97827 — Elgin city, OR Demographics & Data

ZIP code 97827 covers Elgin, OR in Union County with a population of about 2,557.

At a glance, the area shows median age of 45.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 458, 541; U.S. House district OR-2; the PORTLAND, OR media market.

Median household income in ZIP 97827 is about $58,750 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.1%; unemployment rate near 4.3%; 12.4% of adults with a bachelor’s degree or higher (about 21.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Construction; about 10.0% of workers reporting work-from-home (about 5.2 points below 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 $233,000 — about 33% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $712 (about 39% below the U.S. median rent ($1,163)), and owner-occupancy near 75.9% (about 10.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 97827 in Elgin, OR, a household would need roughly $64,000 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 $1,497. That is roughly in line with the local median household income ($58,750). 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 Elgin city, OR as Relatively Low (composite score 43.5), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (91.9) and flood (37.5). 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 Elgin city, OR show little to no average snow and around 25.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 130 for ZIP 97827 (Elgin 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.