ZIP Code 97864 — Monument city, OR Demographics & Data

ZIP code 97864 covers Monument, OR in Grant County with a population of about 303.

At a glance, the area shows median age of 68.1 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.

Monument, OR fits a retirement-oriented profile (high share of residents 65+ (56.4%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 97864 is about $37,336 — about 50% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.2%; unemployment rate near 0.0%; 5.8% of adults with a bachelor’s degree or higher (about 28.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Utilities, and Education; about 11.4% of workers reporting work-from-home (about 3.8 points below the U.S. share (15.2%)); a mean commute of about 93.0 minutes (U.S. average near 26.8).

Median home value is about $507,800 — about 46% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 82.9% (about 17.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 97864 in Monument, OR, a household would need roughly $140,000 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 $3,262. That is about 275% above the local median household income ($37,336), 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 Monument city, OR as Very Low (composite score 32.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (93.6) and flood (50.2). 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 Monument city, OR show little to no average snow and around 15.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 15 for ZIP 97864 (Monument 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.