Median home value in zip code 97086 (Happy Valley, OR) is $679K, down 0.9% year over year. Part of the Portland-Vancouver-Hillsboro, OR-WA metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: Portland-Vancouver-Hillsboro, OR-WA metro →

Home Value$679,131

YoY Change

-0.9%

AFFORDABILITY

Enter your income for 97086 (Happy Valley).

Income (annual)

Down Payment

$135,826 on $679,131

Out of reach — 65.3% of income

Need $174,986/yr to afford.

PITI$4,083

P/I65.3%

Afford$291K

Gap-$388K

P&I $3,434Tax $549Ins $100

6.50% 30yr, 20% down, county tax + OR ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

97086 is part of the Portland-Vancouver-Hillsboro, OR-WA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Portland-Vancouver-Hillsboro, OR-WA analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free