Real Estate Investing in White City, Oregon (97503)

Jackson County • Population: 14,119 • Data updated: June 2026

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Should you buy in 97503 (White City, OR)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (61/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in White City, OR (97503)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $357,249
Avg Monthly Rent $1,260
1% Rule ✗ Does Not Meet
Median Income $62,678
% Renters 18.8%

Market Analysis: 97503 White City

Investors eyeing 97503 need to respect the fundamentals at play. Home values of $357K come alongside slower price movement and elevated management overhead.

Distressed markets are won on execution, not on spreadsheets. ZIP 97503 clocks in at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Turning to rents, 97503 offers a low basis, the region around White City has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

Demographically, 97503 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

The right play in 97503 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.49% as of Jun 25 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in White City:

C+ Average
Buy Confidence Score: 62/100
Affordability
10/25
Appreciation
18/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.7× the median income
Value Trend
Rising (+3.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,260/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Medford, OR Metro Area
Even conditions for buyers and sellers
45 days
Average time to sell
Average
9.1%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of June 20, 2026 — updated weekly from Medford, OR metro data
🏠

Property Strategy for 97503

Which property type performs best in this market?

Best for Cash Flow
3BR
4.0% cap rate
Best for Appreciation
3BR
+5.6% 5yr CAGR
Best Overall Value
4BR
$111,309/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $301,978 $1,400 3.3% +3.8% $150,989
3BR $346,804 $1,950 4.0% +5.6% $115,601
4BR $445,237 $2,300 3.7% +4.7% $111,309

Market Trends

Home Value History (with trend line)

$378K$323K$268K$213K$158K$103KMay 2006May 2016May 2026

📊 How Does 97503 Compare?

Metric 97503 White City Medford, OR Oregon
Home Value $357,249 $357,249 N/A $493,884
5-Year CAGR 3.6% 3.6% N/A 4.9%
Avg Rent $1,260 $1,260 N/A -
Cap Rate 2.8% 2.8% - -
💡 Why Invest in 97503? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 97503 (White City, OR). Anonymous, moderated, never written by AI.

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Property managers serving Jackson County

Manage rentals here? List your business →

Quality Property Management Company offers residential, commercial, and association management services, including affordable housing for older adults, in Medford, Oregon. summary from their website

Single-familyCommercialHOASection 8
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Unclaimed — is this your business? Claim it free

Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
2.8%
Low
5yr Growth
+3.6%
Moderate

📉 Market Crash Risk Index

Based on Medford, OR metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
59%
Days Pending
1/2
45 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $357,249
Monthly Rent $1,260
Price-to-Rent 23.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.2%
Cap Rate 2.8%
5-Year IRR 6.4%

📈 Home Appreciation

1-Year +3.0% ▲
3-Year CAGR +2.0% ▲
5-Year CAGR +3.6% ▲
10-Year CAGR +6.8% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.8%  |  30yr Rate: 6.5%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.5%) exceeds the estimated cap rate (2.8%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
4.4%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+3.6%
Stable
Eviction process: Fast Rent control: Unfavorable

Demographics in 97503

Population: 14,119

💰 Median Household Income
$62,678
This area
$62,678
State
$71,325
USA
$74,580
🏠 Renter Occupied
18.8%
This area
18.8%
State
28.8%
USA
34.0%
💼 Unemployment Rate
3.9%
This area
3.9%
State
-6.1%
USA
3.7%
🎓 College Educated
13.4%
This area
13.4%
State
13.8%
USA
33.7%
👤 Median Age
35.7 years
This area
35.7 years
State
31.5 years
USA
38.9 years
🏚️ Vacancy Rate
4.4%
This area
4.4%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 75.5%
Other/Mixed 23.2%
Hispanic/Latino 16.9%
Asian 1.3%
Black/African American 0.1%
👶 Under 18
26.7%
This area
26.7%
USA
22.0%
👴 65 and Over
14.6%
This area
14.6%
USA
17.3%
📊 Poverty Rate
15.7%
This area
15.7%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 97503

B+ Avg School Grade
3 Schools
15.0:1 Avg Class Size
$14,462 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Table Rock Elementary

📚 K – 05 Elementary
👥
705 Students
👨‍🏫
14.8:1 Class Size
💰
$14,462 Per Student
B+ Above Average

White Mountain Middle School

📚 06 – 08 Middle
👥
357 Students
👨‍🏫
17.1:1 Class Size
💰
$14,462 Per Student
B Good

Kids Unlimited Academy White City

📚 K – 02 Elementary Charter
👥
98 Students
👨‍🏫
13.1:1 Class Size
💰
$14,462 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

What is the average monthly rent in White City, OR?

Rent in White City, OR is around $1,260/mo. The resulting rent-to-value relationship with $357K pricing is reasonable for most investor models.

Do rentals sit vacant long in White City, OR?

Rental vacancy in White City, OR is elevated. Investors should budget normal turnover but not chronic empty units.

How does White City, OR stack up for property investment?

Yes - White City, OR a 3.0/5 investability score. With $357K home prices against $1,260/mo monthly rent, the market delivers a reasonable entry point for new investors.

What is the average home sale price in White City, OR?

Expect median prices around $357K in White City, OR. The market has run at a 0.0% 5-year CAGR, so entry costs have been stable.

Are renters plentiful in White City, OR?

White City, OR draws a predictable base of working renters. Demand at the $1,260/mo rent level is reasonable for standard single-family and small multi rentals.

See what 97503 really looks like for investors

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