Is Lane County, OR good for real estate investing?

Lane County has an investment score of 44/100, rated as "Avoid". The county ranks #902 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Lane?

The rent-to-price ratio in Lane County is 4.86% annually, which ranks in the 20th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Lane?

The median home price in Lane County is $446,037. This ranks #865 in affordability among all US counties.

Can you cash flow on rental properties in Lane?

Based on median values with 20% down at current rates, a typical rental in Lane County would generate negative cash flow of $1,165/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Lane County

OregonPopulation: 382,218

/100

Avoid

#902 of 1,000 counties

#23 in Oregon (36 counties)

Market Snapshot

$446,037

Median Home Price

63% above national median

$1,806/mo

Median Rent

21% above national median

4.86%

Rent-to-Price Ratio

Top 80% nationally

-$1,165

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$446,037

Down Payment (20%)$89,207

Loan Amount$356,830

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,806

Monthly P&I-$2,338

Est. Expenses (35%)-$632

Net Cash Flow-$1,165/mo

3.2%

Cap Rate (all cash)

-13.6%

Cash-on-Cash Return

4.86%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 3.2% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

44/100

Cash Flow(30%)

43/100

Based on 4.86% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

50/100

Based on -0.1% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

32/100

Price-to-income ratio of 6.8x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Complete rent data available

Challenges

-Below-average rent-to-price ratio (4.86%)
-Declining home values (-0.1% YoY)
-Negative cash flow at typical financing (-$1,165/mo)
-Negative leverage (cap rate 3.2% < mortgage rate 6.9%)

Economic Indicators

Population

382,218

Median Income

$65,157

vs $62,400 national est.

Unemployment Rate

—

Data pending

Price-to-Income

6.8x

Less affordable

Compare to Nearby Counties

County					Verdict
JacksonOR	46	$425,440	$1,713	4.83%	Hold	View
MarionOR	45	$437,106	$1,652	4.53%	Hold	View
PolkOR	45	$470,528	$1,703	4.34%	Hold	View
CurrentLaneOR	44	$446,037	$1,806	4.86%	Avoid
YamhillOR	44	$502,077	$1,935	4.62%	Avoid	View
JosephineOR	42	$384,522	$1,511	4.72%	Avoid	View

The Bottom Line

AvoidLane may be challenging for traditional rentals. High prices or low rents make cash flow difficult.

Lane County in Oregon scores 44/100, ranking #902 of 1,000 US counties (top 90%). The 4.86% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow

$-1,165/mo

Cap Rate

3.2%

Cash-on-Cash

-13.6%

Ready to Analyze a Deal in Lane?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$446,037

Down Payment (20%)$89,207

Loan Amount$356,830

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,806

Monthly P&I-$2,338

Est. Expenses (35%)-$632

Net Cash Flow-$1,165/mo

3.2%

Cap Rate (all cash)

-13.6%

Cash-on-Cash Return

4.86%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 3.2% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

44/100

Cash Flow(30%)

43/100

Based on 4.86% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

50/100

Based on -0.1% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

32/100

Price-to-income ratio of 6.8x. Lower ratios indicate more affordable markets.

County

Verdict

JacksonOR

$425,440

$1,713

4.83%

Hold

View

MarionOR

$437,106

$1,652

4.53%

Hold

View

PolkOR

$470,528

$1,703

4.34%

Hold

View

CurrentLaneOR

$446,037

$1,806

4.86%

Avoid

YamhillOR

$502,077

$1,935

4.62%

Avoid

View

JosephineOR

$384,522

$1,511

4.72%

Avoid

View

The Bottom Line

AvoidLane may be challenging for traditional rentals. High prices or low rents make cash flow difficult.

Monthly Cash Flow

$-1,165/mo

Cap Rate

3.2%

Cash-on-Cash

-13.6%