ZIP Code 97401 — Eugene, OR Home Prices (2026)

The typical home in ZIP 97401 (Eugene, Oregon) is worth about $522,000 at roughly $329 per square foot — 2% more affordable than the Eugene median and 78% more expensive than the typical U.S. home.

$522,000

Typical home value

$329

Price per sq ft

#4 of 6

Eugene ZIPs by value

-2%

vs Eugene median

How 97401 compares

ZIP 97401 is a mid-priced ZIP code for Eugene: its typical home value of $522,000 ranks #4 of the 6 Eugene ZIP codes we track (the citywide range runs from $407,000 in 97402 to $623,000 in 97408). Per square foot it costs about $329, against $315 for Eugene as a whole, $299 for Oregon, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 97401	$522,000	$329
Eugene, OR	$531,500	$315
Oregon	$468,500	$299
United States	$294,000	$195

Home value by size in 97401

Using this ZIP’s rate of about $329 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$329,000
1,500 sq ft	$493,500
2,000 sq ft	$658,000
2,500 sq ft	$822,500
3,000 sq ft	$987,000

Salary needed to buy a home in ZIP 97401

To buy the typical $522,000 home in ZIP 97401 with 20% down, you need a household income of roughly $142,000 a year (about $3,310 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $169,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$26,100	$4,120/mo	$177,000/yr
10% (+PMI)	$52,200	$3,940/mo	$169,000/yr
20%	$104,400	$3,310/mo	$142,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 97401

At about $329 per square foot, here is roughly how much home different budgets get you in ZIP 97401:

Budget	Approx. size	What that looks like locally
$250k	760 sq ft	below the local median — condos, smaller or older homes
$300k	910 sq ft	below the local median — condos, smaller or older homes
$400k	1220 sq ft	below the local median — condos, smaller or older homes
$500k	1520 sq ft	around the typical home here
$600k	1820 sq ft	around the typical home here

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 97401 home.

Estimate a specific home in 97401

The estimator below is pre-set to ZIP 97401 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Eugene ZIP codes by home value

Where 97401 sits among Eugene’s 6 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	97408	$623,000	$331
2	97403	$617,000	$343
3	97405	$541,000	$298
4	97401 (this page)	$522,000	$329
5	97404	$446,000	$286
6	97402	$407,000	$301

ZIP 97401 home prices: frequently asked

What is the average home price in ZIP code 97401? +

The typical home in ZIP 97401 (Eugene, OR) is worth about $522,000 as of 2026. That is 2% more affordable than the Eugene median of $531,500 and 78% more expensive than the U.S. median of $294,000.

What is the price per square foot in 97401? +

About $329 per square foot in 97401, versus $315 across Eugene and $299 across Oregon. At that rate a 1,500 sq ft home runs roughly $493,500 and a 2,500 sq ft home about $822,500.

What salary do you need to buy a house in ZIP 97401? +

For the typical $522,000 home in ZIP 97401, a household income of about $142,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $169,000; with 5% down about $177,000.

Is 97401 an expensive ZIP code? +

Within Eugene, 97401 ranks #4 of 6 ZIP codes by typical home value, which makes it a mid-priced ZIP code for Eugene. Nationally it is relatively expensive.

See the full Eugene home values page, all Oregon cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.