Real Estate Investing in Talent, Oregon (97540)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 97540 (Talent, OR)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
No major risk flags on the data we track.
What’s happening in Talent, OR (97540)?
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Market Analysis: 97540 Talent
ZIP 97540 in Talent, OR carries a sturdy set of headwinds. Home values near $447K and rents of $1,942/mo sit inside a market where underwriting has to be tight.
Rent of $1,942/mo on a $447K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 97540 sits below the stated 0.0% once reality is priced in.
The gap between 97540 and stronger Talent ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
The 97540 ZIP's population of 8,475 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that reports the need for careful underwriting.
The 97540 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.
Here's what matters if you're considering buying a home in Talent:
Property Strategy for 97540
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $356,151 | $1,670 | 3.4% | +2.7% | $178,076 |
| 3BR | $430,013 | $2,320 | 3.9% | +4.1% | $143,338 |
| 4BR | $552,022 | $2,740 | 3.6% | +3.9% | $138,005 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 97540 Compare?
| Metric | 97540 | Talent | Medford, OR | Oregon |
|---|---|---|---|---|
| Home Value | $447,021 | $447,021 | N/A | $493,884 |
| 5-Year CAGR | 1.9% | 1.9% | N/A | 4.9% |
| Avg Rent | $1,942 | $1,942 | N/A | - |
| Cap Rate | 3.4% | 3.4% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 97540 (Talent, OR). Anonymous, moderated, never written by AI.
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Property managers serving Jackson County
Manage rentals here? List your business →Quality Property Management Company offers residential, commercial, and association management services, including affordable housing for older adults, in Medford, Oregon. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $447,021 |
| Monthly Rent | $1,942 |
| Price-to-Rent | 19.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.2% |
| Cap Rate | 3.4% |
| 5-Year IRR | 5.3% |
📈 Home Appreciation
| 1-Year | +5.4% ▲ |
| 3-Year CAGR | +1.6% ▲ |
| 5-Year CAGR | +1.9% ▲ |
| 10-Year CAGR | +5.0% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). 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.
Demographics in 97540
Population: 8,475
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 97540
Schools in This ZIP Code
About Repit School Scores
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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
Investor Insight: With 585 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Is Talent, OR a good market for buy-and-hold investors?
With a 2.0/5 investability score, Talent, OR ranks as a solid market for rental property investors. Median prices of $447K and rents of $1,942/mo drive the underlying numbers.
What is the tenant pool like in Talent, OR?
Talent, OR offers a consistent renter base at the $1,942/mo rent level. Tenant turnover is reasonable for well-managed properties.
Which real estate strategy fits Talent, OR?
In Talent, OR the durable play is typically careful cash-flow rentals with hands-on management. The combination of $447K prices and $1,942/mo rents suits that approach.
What kind of vacancy should I budget for in Talent, OR?
Talent, OR carries elevated vacancy risk. Expect measured absorption at market rents of $1,942/mo.
Where do home prices stand in Talent, OR?
In Talent, OR the median home value sits at $447K. Against the broader OR market, that reads as reasonable for most investors.
You know 97540 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 97540 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 97540 ranks in Medford, OR
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