ZIP Code 97403 — Eugene, OR Home Prices (2026)
The typical home in ZIP 97403 (Eugene, Oregon) is worth about $617,000 at roughly $343 per square foot — 16% more expensive than the Eugene median and 110% more expensive than the typical U.S. home.
How 97403 compares
ZIP 97403 is one of the pricier ZIP codes in Eugene: its typical home value of $617,000 ranks #2 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 $343, against $315 for Eugene as a whole, $299 for Oregon, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 97403 | $617,000 | $343 |
| Eugene, OR | $531,500 | $315 |
| Oregon | $468,500 | $299 |
| United States | $294,000 | $195 |
Home value by size in 97403
Using this ZIP’s rate of about $343 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 | $343,000 |
| 1,500 sq ft | $514,500 |
| 2,000 sq ft | $686,000 |
| 2,500 sq ft | $857,500 |
| 3,000 sq ft | $1,029,000 |
Salary needed to buy a home in ZIP 97403
To buy the typical $617,000 home in ZIP 97403 with 20% down, you need a household income of roughly $168,000 a year (about $3,920 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $199,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $30,900 | $4,870/mo | $209,000/yr |
| 10% (+PMI) | $61,700 | $4,650/mo | $199,000/yr |
| 20% | $123,400 | $3,920/mo | $168,000/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 97403
At about $343 per square foot, here is roughly how much home different budgets get you in ZIP 97403:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $300k | 870 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1170 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1460 sq ft | around the typical home here |
| $600k | 1750 sq ft | around the typical home here |
| $750k | 2190 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 97403 home.
Estimate a specific home in 97403
The estimator below is pre-set to ZIP 97403 — 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 97403 sits among Eugene’s 6 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 97408 | $623,000 | $331 |
| 2 | 97403 (this page) | $617,000 | $343 |
| 3 | 97405 | $541,000 | $298 |
| 4 | 97401 | $522,000 | $329 |
| 5 | 97404 | $446,000 | $286 |
| 6 | 97402 | $407,000 | $301 |
ZIP 97403 home prices: frequently asked
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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.