Real Estate Investing in Stanfield, Oregon (97875)

Umatilla County • Population: 2,522 • Data updated: June 2026

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Should you buy in 97875 (Stanfield, OR)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (71/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 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 Stanfield, OR (97875)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $290,765
Avg Monthly Rent $1,197
1% Rule ✗ Does Not Meet
Median Income $69,345
% Renters 27.6%

Market Analysis: 97875 Stanfield

On balance, ZIP 97875 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $291K median. It rewards specialists, not generalists.

For an experienced owner, 97875 can be a a viable market for hunting ground — but the discount at $291K reflects genuine risk that outside investors often underestimate.

ZIP 97875's metrics run below Umatilla County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Who lives in 97875 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

looks to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

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 Stanfield:

C+ Average
Buy Confidence Score: 65/100
Affordability
15/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.2× the median income
Value Trend
Rising (+4.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,197/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
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
🏠

Property Strategy for 97875

Which property type performs best in this market?

Best for Cash Flow
3BR
4.6% cap rate
Best for Appreciation
2BR
+8.7% 5yr CAGR
Best Overall Value
3BR
$95,656/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $209,183 $1,330 4.6% +8.7% $104,591
3BR $286,968 $1,850 4.6% +7.2% $95,656

Market Trends

Home Value History (with trend line)

$306K$263K$220K$177K$134K$91KJan 2009Sep 2017May 2026

📊 How Does 97875 Compare?

Metric 97875 Stanfield Hermiston-Pendleton, OR Oregon
Home Value $290,765 $290,765 N/A $493,884
5-Year CAGR 5.9% 5.9% N/A 4.9%
Avg Rent $1,197 $1,197 N/A -
Cap Rate 3.2% 3.2% - -
💡 Why Invest in 97875? 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 →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 97875 (Stanfield, OR). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.2%
Low
5yr Growth
+5.9%
Moderate

📊 Market Snapshot

Home Value $290,765
Monthly Rent $1,197
Price-to-Rent 20.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.9%
Cap Rate 3.2%
5-Year IRR 9.1%

📈 Home Appreciation

1-Year +4.3% ▲
3-Year CAGR +3.9% ▲
5-Year CAGR +5.9% ▲
10-Year CAGR +8.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.2%  |  30yr Rate: 6.5%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.5%) exceeds the estimated cap rate (3.2%). 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
7.4%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+5.9%
Stable
Eviction process: Fast Rent control: Unfavorable

Demographics in 97875

Population: 2,522

💰 Median Household Income
$69,345
This area
$69,345
State
$71,325
USA
$74,580
🏠 Renter Occupied
27.6%
This area
27.6%
State
28.8%
USA
34.0%
💼 Unemployment Rate
3.5%
This area
3.5%
State
-6.1%
USA
3.7%
🎓 College Educated
10.0%
This area
10.0%
State
13.8%
USA
33.7%
👤 Median Age
40.4 years
This area
40.4 years
State
31.5 years
USA
38.9 years
🏚️ Vacancy Rate
7.4%
This area
7.4%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 74.5%
Other/Mixed 25.2%
Hispanic/Latino 20.4%
Asian 0.3%
👶 Under 18
18.5%
This area
18.5%
USA
22.0%
👴 65 and Over
16.1%
This area
16.1%
USA
17.3%
📊 Poverty Rate
6.3%
This area
6.3%
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 97875

A Avg School Grade
2 Schools
15.2:1 Avg Class Size
$21,958 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Stanfield Elementary School

📚 K – 05 Elementary
👥
199 Students
👨‍🏫
13.1:1 Class Size
💰
$21,958 Per Student
A Very Good

Stanfield Secondary School

📚 06 – 12 High School
👥
286 Students
👨‍🏫
17.4:1 Class Size
💰
$21,958 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 monthly rent should investors expect in Stanfield, OR?

Average rent in Stanfield, OR is approximately $1,197/mo per month. Against $291K home values that yields a reasonable rent-to-price ratio.

Are landlord laws favorable in Stanfield, OR?

Stanfield, OR operates under OR law, which is landlord-friendly overall for landlords. Expect measured treatment in typical lease and eviction cases.

Are there empty rentals in Stanfield, OR?

Stanfield, OR sees elevated vacancy, which is reasonable relative to the broader OR rental market.

Is Stanfield, OR suited for a house hack?

For house hackers, Stanfield, OR is a challenging. The $1,197/mo rent on a unit helps defray the mortgage on a $291K property.

What kind of market is Stanfield, OR for investors?

Our data puts Stanfield, OR at 3.0/5 for investability. Home prices of $291K and rents around $1,197/mo create a solid backdrop for investor activity.

See what 97875 really looks like for investors

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