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Market MapOregonLane

Lane County

OregonPopulation: 382,218Eugene, OR Metro
45
/100
Hold
#0 of 0 counties
#19 in Oregon (36 counties)

Market Snapshot

$442,959
Median Home Price
0% below national median
$1,908/mo
Median Rent
0% below national median
5.17%
Rent-to-Price Ratio
Top 50% nationally
-$1,082
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$442,959
Down Payment (20%)$88,592
Loan Amount$354,367
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,908
Monthly P&I-$2,322
Est. Expenses (35%)-$668
Net Cash Flow-$1,082/mo
3.4%
Cap Rate (all cash)
-12.7%
Cash-on-Cash Return
5.17%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.4% 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 AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
45/100
45
Cash Flow(30%)
48/100

Based on 5.17% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
49/100

Based on -0.3% 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

  • -Declining home values (-0.3% YoY)
  • -Negative cash flow at typical financing (-$1,082/mo)
  • -Negative leverage (cap rate 3.4% < mortgage rate 6.9%)
  • -High price-to-income ratio makes financing challenging

Economic Indicators

Population
382,218
Median Income
$65,157
vs $0 national est.
Unemployment Rate
—
Data pending
Price-to-Income
6.8x
Less affordable

Compare to Nearby Counties

CountyVerdict
WheelerOR
47$305,217Est. pending—HoldView
JacksonOR
46$425,440$1,7134.83%HoldView
CurrentLaneOR
45$442,959$1,9085.17%Hold
PolkOR
45$470,528$1,7034.34%HoldView
MarionOR
45$437,106$1,6524.53%HoldView
YamhillOR
44$502,077$1,9354.62%AvoidView

The Bottom Line

HoldLane is a neutral market. Consider house hacking or targeting below-market deals.

Lane County in Oregon scores 45/100, ranking #0 of 0 US counties (top 50%). The 5.17% 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
$-1,082/mo
Cap Rate
3.4%
Cash-on-Cash
-12.7%

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