Real Estate Investing in Adams, Oregon (97810)

Umatilla County • Population: 826 • Data updated: June 2026

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Should you buy in 97810 (Adams, OR)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (34/100)

Multiple negative signals. Better options likely exist nearby.

📈 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
3 flags
  • High vacancy: 28.1% of homes vacant — above national norms.
  • 1-year downturn: Values declined 8.0% in the last year.
  • High price-to-rent: Price-to-rent ratio 26.4 — hard to cash-flow at these prices.

What’s happening in Adams, OR (97810)?

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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 $361,392
Avg Monthly Rent $1,143
1% Rule ✗ Does Not Meet
Median Income $59,667
% Renters 22.6%

Market Analysis: 97810 Adams

The 97810 ZIP in Adams, OR is a local-operator market. Outside capital chasing a $361K entry has to pair deep knowledge with the discount.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 97810 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Statewide comparisons place 97810 among OR's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Who lives in 97810 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Experienced landlords with local relationships tend to find 97810 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 Adams:

D Needs Caution
Buy Confidence Score: 47/100
Affordability
5/25
Appreciation
14/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6.1× the median income
Value Trend
Declining (-8.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,143/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Hermiston-Pendleton, OR Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.7%
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 Hermiston-Pendleton, OR metro data

Market Trends

Home Value History (with trend line)

$412K$360K$308K$256K$204K$152KJan 2009Sep 2017May 2026

📊 How Does 97810 Compare?

Metric 97810 Adams Hermiston-Pendleton, OR Oregon
Home Value $361,392 $361,392 N/A $493,884
5-Year CAGR 2.4% 2.4% N/A 4.9%
Avg Rent $1,143 $1,143 N/A -
Cap Rate 2.5% 2.5% - -
💡 Why Invest in 97810? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 97810 (Adams, OR). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.5%
Low
5yr Growth
+2.4%
Slow

📊 Market Snapshot

Home Value $361,392
Monthly Rent $1,143
Price-to-Rent 26.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.8%
Cap Rate 2.5%
5-Year IRR 4.8%

📈 Home Appreciation

1-Year -8.0% ▼
3-Year CAGR -0.9% ▼
5-Year CAGR +2.4% ▲
10-Year CAGR +5.3% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.5%  |  30yr Rate: 6.5%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.5%) exceeds the estimated cap rate (2.5%). 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
28.1%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+2.4%
Stable
Eviction process: Fast Rent control: Unfavorable

Demographics in 97810

Population: 826

💰 Median Household Income
$59,667
This area
$59,667
State
$71,325
USA
$74,580
🏠 Renter Occupied
22.6%
This area
22.6%
State
28.8%
USA
34.0%
💼 Unemployment Rate
0.8%
This area
0.8%
State
-6.1%
USA
3.7%
🎓 College Educated
34.0%
This area
34.0%
State
13.8%
USA
33.7%
👤 Median Age
44.6 years
This area
44.6 years
State
31.5 years
USA
38.9 years
🏚️ Vacancy Rate
28.1%
This area
28.1%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 84.8%
Other/Mixed 11.0%
Asian 3.6%
Black/African American 0.6%
Hispanic/Latino 0.5%
👶 Under 18
25.6%
This area
25.6%
USA
22.0%
👴 65 and Over
21.2%
This area
21.2%
USA
17.3%
📊 Poverty Rate
3.7%
This area
3.7%
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

Frequently Asked Questions

Is Adams, OR a good place for real estate investing?

With a 3.0/5 investability score, Adams, OR ranks as a solid market for rental property investors. Median prices of $361K and rents of $1,143/mo drive the underlying numbers.

Are rents high in Adams, OR?

Rental rates in Adams, OR average $1,143/mo. Tenant demand and $361K home values make the yield look reasonable by investor standards.

What is the typical renter like in Adams, OR?

Tenant demand in Adams, OR is solid. The local workforce $1,143/mo rents across most rental classes.

What is it like being a landlord in Adams, OR?

The landlord environment in Adams, OR is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

What investment strategy works best in Adams, OR?

Investors usually favor careful cash-flow rentals with hands-on management in Adams, OR. With home values at $361K and rents near $1,143/mo, other strategies can work but produce stable rather than outsized returns.

See what 97810 really looks like for investors

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