ZIP code 97364

ZIP 97364 is a very small community in Lincoln County, Oregon, with 637 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #317 of 428 ranked by population — larger than 25% of them. The median age here is 39.1 years against 39.1 nationally, a slightly younger profile than the country as a whole. 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 97364 earn a median of $60,446 a year, 23% 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 5.5% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 97364 is valued at $482,100, 58.9% above the national figure, while median gross rent runs $958 a month, 31.9% below the national figure, or roughly $11,496 across a full year. A household on the local median income would put about 19% 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 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. 58.4% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. 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 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. With 637 residents, a handful of survey responses moves every median on this page. Compare ZIP 97364 against its county rather than against national figures.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. 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 97364 is tabulated inside Lincoln County, Oregon, one of 16 ZIP areas the Census publishes for that county and 428 across Oregon. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. 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 97364 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 97364 reports a median household income of $60,446, close to the $60,591 county median, and 15% below the $71,485 typical OR ZIP. Owner-occupied homes are valued at a median of $482,100, 20% above the county figure and 25% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $958 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 97364.

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 97364 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.