Is Lincoln County, OR good for real estate investing?

Lincoln County has an investment score of 40/100, rated as "Avoid". The county ranks #953 nationally among 1000 counties analyzed.

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

The rent-to-price ratio in Lincoln County is 4.91% annually, which ranks in the 22th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Lincoln?

The median home price in Lincoln County is $471,465. This ranks #883 in affordability among all US counties.

Can you cash flow on rental properties in Lincoln?

Based on median values with 20% down at current rates, a typical rental in Lincoln County would generate negative cash flow of $1,218/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Lincoln County

OregonPopulation: 50,334

/100

Avoid

#953 of 1,000 counties

#30 in Oregon (36 counties)

Market Snapshot

$471,465

Median Home Price

72% above national median

$1,928/mo

Median Rent

29% above national median

4.91%

Rent-to-Price Ratio

Top 78% nationally

-$1,218

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$471,465

Down Payment (20%)$94,293

Loan Amount$377,172

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,928

Monthly P&I-$2,471

Est. Expenses (35%)-$675

Net Cash Flow-$1,218/mo

3.2%

Cap Rate (all cash)

-13.5%

Cash-on-Cash Return

4.91%

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

40/100

Cash Flow(30%)

44/100

Based on 4.91% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

43/100

Based on -1.4% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

19/100

Price-to-income ratio of 8.2x. 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 (4.91%)
-Declining home values (-1.4% YoY)
-Negative cash flow at typical financing (-$1,218/mo)
-Negative leverage (cap rate 3.2% < mortgage rate 6.9%)

Economic Indicators

Population

50,334

Median Income

$57,794

vs $62,400 national est.

Unemployment Rate

—

Data pending

Price-to-Income

8.2x

Less affordable

Compare to Nearby Counties

County					Verdict
JosephineOR	42	$384,522	$1,511	4.72%	Avoid	View
MultnomahOR	41	$493,151	$1,687	4.10%	Avoid	View
ClackamasOR	41	$603,032	$1,944	3.87%	Avoid	View
WashingtonOR	41	$556,184	$1,893	4.08%	Avoid	View
CurrentLincolnOR	40	$471,465	$1,928	4.91%	Avoid
BentonOR	40	$548,593	$1,811	3.96%	Avoid	View

The Bottom Line

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

Lincoln County in Oregon scores 40/100, ranking #953 of 1,000 US counties (top 95%). The 4.91% 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

$-1,218/mo

Cap Rate

3.2%

Cash-on-Cash

-13.5%

Ready to Analyze a Deal in Lincoln?

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$471,465

Down Payment (20%)$94,293

Loan Amount$377,172

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,928

Monthly P&I-$2,471

Est. Expenses (35%)-$675

Net Cash Flow-$1,218/mo

3.2%

Cap Rate (all cash)

-13.5%

Cash-on-Cash Return

4.91%

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

40/100

Cash Flow(30%)

44/100

Based on 4.91% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

43/100

Based on -1.4% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

19/100

Price-to-income ratio of 8.2x. Lower ratios indicate more affordable markets.

County

Verdict

JosephineOR

$384,522

$1,511

4.72%

Avoid

View

MultnomahOR

$493,151

$1,687

4.10%

Avoid

View

ClackamasOR

$603,032

$1,944

3.87%

Avoid

View

WashingtonOR

$556,184

$1,893

4.08%

Avoid

View

CurrentLincolnOR

$471,465

$1,928

4.91%

Avoid

BentonOR

$548,593

$1,811

3.96%

Avoid

View

The Bottom Line

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

Monthly Cash Flow

$-1,218/mo

Cap Rate

3.2%

Cash-on-Cash

-13.5%