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Monument city, OR

ZIP 97864 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 97864

Median Home Value
$507,800
Median Rent
N/A
Affordability Snapshot
$140,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,262/mo PITI).

13.6x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 97864 in Monument city, 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.

Housing Tenure

Vacancy rate 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.9%+27% vs US avg
x
Vacancy Rate
20.6%+100% vs US avg
x
Broadband Access
59.7%-31% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
4.4%-66% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
5.4%-89% vs US avg
x
Mortgage-Free
92.2%+141% vs US avg
x
$507,800
Home Value
N/A
Rent
1959
Year Built
1994
Moved In

Residents have lived here since ~1994 on average

Housing Structure

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

  • 1-unit detached78.3%
  • 1-unit attached1.1%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other20.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$507,800
Median rent$-666,666,666
Owner-occupied82.9%
Vacant20.6%
Price-to-income13.6x
Est. income to buy$140,000