ZIP Code 97364 — Lincoln City, OR Home Prices (2026)
The typical home in ZIP 97364 (Lincoln City, Oregon) is worth about $533,000 at roughly $340 per square foot — about the same as the Lincoln City median and 81% more expensive than the typical U.S. home.
How 97364 compares
ZIP 97364 is a mid-priced ZIP code for Lincoln City: its typical home value of $533,000 ranks #2 of the 3 Lincoln City ZIP codes we track (the citywide range runs from $487,000 in 97367 to $629,000 in 97388). Per square foot it costs about $340, against $365 for Lincoln City as a whole, $299 for Oregon, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 97364 | $533,000 | $340 |
| Lincoln City, OR | $533,000 | $365 |
| Oregon | $468,500 | $299 |
| United States | $294,000 | $195 |
Home value by size in 97364
Using this ZIP’s rate of about $340 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 | $340,000 |
| 1,500 sq ft | $510,000 |
| 2,000 sq ft | $680,000 |
| 2,500 sq ft | $850,000 |
| 3,000 sq ft | $1,020,000 |
Salary needed to buy a home in ZIP 97364
To buy the typical $533,000 home in ZIP 97364 with 20% down, you need a household income of roughly $145,000 a year (about $3,380 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $172,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $26,700 | $4,210/mo | $180,000/yr |
| 10% (+PMI) | $53,300 | $4,020/mo | $172,000/yr |
| 20% | $106,600 | $3,380/mo | $145,000/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 97364
At about $340 per square foot, here is roughly how much home different budgets get you in ZIP 97364:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 740 sq ft | below the local median — condos, smaller or older homes |
| $300k | 880 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1180 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1470 sq ft | around the typical home here |
| $600k | 1760 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 97364 home.
Estimate a specific home in 97364
The estimator below is pre-set to ZIP 97364 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Lincoln City ZIP codes by home value
Where 97364 sits among Lincoln City’s 3 ZIP codes:
ZIP 97364 home prices: frequently asked
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See the full Lincoln City 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.