ZIP code 97108

ZIP 97108 is a very small community in Tillamook County, Oregon, with 492 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #331 of 428 ranked by population — larger than 22% of them. The median age here is 64.7 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 97108 earn a median of $69,063 a year, 12.1% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 6.7% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 97108 is valued at $466,700, 53.8% above the national figure, while median gross rent runs $637 a month, 54.7% below the national figure, or roughly $7,644 across a full year. A household on the local median income would put about 11.1% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 6.8×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 84.7% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Home values sit at 6.8× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. A median age of 64.7 puts ZIP 97108 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 97108 is tabulated inside Tillamook County, Oregon, one of 13 ZIP areas the Census publishes for that county and 428 across Oregon. This is one of the smallest tabulated ZIP areas in the state, the kind of rural route where a single subdivision or farm cluster accounts for most addresses. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 97108 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 97108 reports a median household income of $69,063, 3% above the $66,900 county median, and 3% below the $71,485 typical OR ZIP. Owner-occupied homes are valued at a median of $466,700, 9% above the county figure and 21% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $637 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Oregon charges 0% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 97108.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 97108 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.