Real Estate Investing in Roseburg, Oregon (97470)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Douglas County • Population: 18,951 • Data updated: September 2026

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Should you buy in 97470 (Roseburg, OR)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (49/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Roseburg, OR (97470)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $326,308
Avg Monthly Rent $1,213
1% Rule ✗ Does Not Meet
Median Income $50,372
% Renters 41.0%

Market Analysis: 97470 Roseburg

Not every below-median market is a bargain. Roseburg's 97470 ZIP records signals that favor experienced operators who can absorb the risk $326K pricing implies.

For an experienced owner, 97470 can be a a viable market for hunting ground — but the discount at $326K reflects genuine risk that outside investors often underestimate.

Statewide comparisons place 97470 among OR's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

The demographic picture in 97470 includes headwinds that any investor should price in. Income distribution skews lower than Roseburg averages, and tenant stability requires active management.

Experienced landlords with local relationships tend to find 97470 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Roseburg:

C Below Average
Buy Confidence Score: 55/100
Affordability
5/25
Appreciation
18/25
Stability
11/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6.5× the median income
Value Trend
Stable (+2.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,213/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Roseburg, OR Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
8.4%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Roseburg, OR metro data
🏠

Property Strategy for 97470

Which property type performs best in this market?

Best for Cash Flow
2BR
3.9% cap rate
Best for Appreciation
1BR
+7.9% 5yr CAGR
Best Overall Value
4BR
$103,943/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $212,356 $970 3.3% +7.9% $212,356
2BR $234,445 $1,270 3.9% +7.7% $117,223
3BR $345,028 $1,770 3.7% +6.7% $115,009
4BR $415,772 $2,130 3.7% +6.7% $103,943

Market Trends

Home Value History (with trend line)

$343K$299K$254K$209K$165K$120KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,336$1,303$1,269$1,236$1,202$1,169Oct 2024Sep 2025Jul 2026

📊 How Does 97470 Compare?

Metric 97470 Roseburg Roseburg, OR Oregon
Home Value $326,308 $359,288 N/A $493,884
5-Year CAGR 3.8% 3.8% N/A 4.9%
Avg Rent $1,213 $1,500 N/A -
Cap Rate 2.9% 3.2% - -
💡 Why Invest in 97470? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

A healthy rental market with 41% renter-occupied households ensures tenant availability.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 97470 (Roseburg, OR). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.9%
Low
5yr Growth
+3.8%
Moderate

📉 Market Crash Risk Index

Based on Roseburg, OR metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
54%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $326,308
Monthly Rent $1,213
Price-to-Rent 22.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.5%
Cap Rate 2.9%
5-Year IRR 6.7%

📈 Home Appreciation

1-Year +2.4% ▲
3-Year CAGR +2.3% ▲
5-Year CAGR +3.8% ▲
10-Year CAGR +6.8% ▲

🏠 Rent Trends

1-Year -8.9% ▼
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.9%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
5.1%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+3.8%
Stable
Eviction process: Fast Rent control: Unfavorable

Demographics in 97470

Population: 18,951

💰 Median Household Income
$50,372
This area
$50,372
State
$71,325
USA
$74,580
🏠 Renter Occupied
41.0%
This area
41.0%
State
28.8%
USA
34.0%
💼 Unemployment Rate
2.4%
This area
2.4%
State
-6.1%
USA
3.7%
🎓 College Educated
18.8%
This area
18.8%
State
13.8%
USA
33.7%
👤 Median Age
40.8 years
This area
40.8 years
State
31.5 years
USA
38.9 years
🏚️ Vacancy Rate
5.1%
This area
5.1%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 90.5%
Other/Mixed 8.9%
Hispanic/Latino 2.5%
Asian 0.5%
Black/African American 0.2%
👶 Under 18
19.9%
This area
19.9%
USA
22.0%
👴 65 and Over
21.1%
This area
21.1%
USA
17.3%
📊 Poverty Rate
8.9%
This area
8.9%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 97470

B+ Avg School Grade
13 Schools
14.5:1 Avg Class Size
$14,785 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Joseph Lane Middle School

📚 06 – 08 Middle
👥
566 Students
👨‍🏫
14.6:1 Class Size
💰
$14,265 Per Student
A Very Good

Lookingglass Elementary School

📚 Pre-K – 05 Elementary
👥
138 Students
👨‍🏫
15.3:1 Class Size
💰
$20,501 Per Student
B+ Above Average

Fir Grove Elementary School

📚 K – 05 Elementary
👥
262 Students
👨‍🏫
14.3:1 Class Size
💰
$14,265 Per Student
B+ Above Average

Green Elementary School

📚 Pre-K – 05 Elementary
👥
251 Students
👨‍🏫
13.6:1 Class Size
💰
$14,265 Per Student
B+ Above Average

Eastwood Elementary School

📚 Pre-K – 05 Elementary
👥
384 Students
👨‍🏫
17.4:1 Class Size
💰
$14,265 Per Student
B+ Above Average

Fullerton IV Elementary School

📚 K – 05 Elementary
👥
340 Students
👨‍🏫
15.8:1 Class Size
💰
$14,265 Per Student
B+ Above Average

Hucrest Elementary School

📚 K – 05 Elementary
👥
405 Students
👨‍🏫
17.4:1 Class Size
💰
$14,265 Per Student
B+ Above Average

John C Fremont Middle School

📚 06 – 08 Middle
👥
650 Students
👨‍🏫
16.2:1 Class Size
💰
$14,265 Per Student
B+ Above Average

Phoenix School

📚 08 – 12 High School Charter
👥
160 Students
👨‍🏫
10.9:1 Class Size
💰
$14,265 Per Student
B+ Above Average

Roseburg Virtual School

📚 K – 08 School
👥
72 Students
👨‍🏫
10.0:1 Class Size
💰
$14,265 Per Student
B Good

Melrose Elementary School

📚 K – 05 Elementary
👥
335 Students
👨‍🏫
18.0:1 Class Size
💰
$14,265 Per Student
B Good

Horizons - Foster Ed Program

📚 06 – 12 High School
👥
17 Students
👨‍🏫
4.3:1 Class Size
C+ Average

Roseburg High School

📚 09 – 12 High School
👥
1,665 Students
👨‍🏫
20.9:1 Class Size
💰
$14,265 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

1 Nearby 833 Off-Campus Students
C
Umpqua Community College
2,387 students · 6.4 mi

Investor Insight: With 833 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the average home sale price in Roseburg, OR?

Roseburg, OR median home values land near $326K. That is reasonable territory for investors looking at $1,213/mo-per-month rentals.

How do landlord-tenant laws work in Roseburg, OR?

The landlord environment in Roseburg, OR is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

What is the renter demographic in Roseburg, OR?

The renter base in Roseburg, OR is reasonable for the $1,213/mo price point. Screening well and pricing to market typically yields reliable tenants.

What does house hacking look like in Roseburg, OR?

House hacking works a challenging in Roseburg, OR. Rents of $1,213/mo against $326K acquisition make the strategy solid for owner-occupants.

What is the typical rental rate in Roseburg, OR?

Expect rents around $1,213/mo per month in Roseburg, OR. With home values at $326K, the yield math works out to reasonable levels for rental investors.

You know 97470 now. You don’t know where it ranks.

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How 97470 ranks in Roseburg, OR

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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