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Market MapEugene, OR
Metropolitan Area

Eugene, OR

Oregon01 counties
45
/100
Hold
#789 of 894 metros
Top 88% nationally for investing

Market Snapshot

$446,035
Median Home Price
83% above national median
$1,806/mo
Median Rent
30% above national median
4.86%
Rent-to-Price Ratio
Top 79% 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

20%
5%50%100%

Purchase

Purchase Price$446,035
Down Payment (20%)$89,207
Loan Amount$356,828
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 metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
45/100
45
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 0.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
36/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Low unemployment (0.0%)

Challenges

  • -Below-average rent-to-price ratio (4.86%)
  • -Negative cash flow at typical financing (-$1,165/mo)
  • -Negative leverage (cap rate 3.2% < mortgage rate 6.9%)
  • -High price-to-income ratio makes financing challenging

Counties in Eugene, OR

Best Overall
Lane
OR - Score: 44
Verdict
LaneOR
382,21844$446,037$1,8064.86%AvoidView

Click any county to see detailed investment analysis

Compare to Similar Metros

Metro AreaVerdict
Buffalo, NY
Buffalo, NY
65$273,962$1,3495.91%BuyView
Columbia, SC
Columbia, SC
65$248,071$1,5627.56%BuyView
St. Louis, MO
St. Louis, MO
65$263,197$1,3976.37%BuyView
Louisville, KY
Louisville, KY
65$268,531$1,3486.02%BuyView
Little Rock, AR
Little Rock, AR
65$223,834$1,2106.49%BuyView
Current
Eugene, OR
45$446,035$1,8064.86%Hold

The Bottom Line

HoldEugene, OR is a neutral market. Consider house hacking or targeting below-market deals in specific counties.

The Eugene, OR metro area scores 45/100, ranking #789 of 894 US metros (top 88%). The 4.86% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Among 1 counties, Lane shows the strongest investment potential (score: 44). Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-1,165/mo
Cap Rate
3.2%
Cash-on-Cash
-15.7%

Ready to Invest in Eugene, OR?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

Single Family1-4 unit rentalsHouse HackOwner-occupiedMultifamily5+ unit propertiesBest CountyLane
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