Lake Oswego 97035

Clackamas County, OR · 1,508 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

41affordability /100

Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
36%
severe
Days on market
21
daily
Price cuts
25.1%
of active
Valuation
-68.4%
vs assessor
Look up an address
29
/100
Weak
stable · seller slight · prices easing year-over-year.
Price trend
35
Affordability
25
Valuation
20
Economic health
41

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

66/ 100SellerBalancedBuyer
Negotiate Hard
Needs 16.7% correction for affordability
DOM: 63d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)60
Supply & Demand (20%)100
Buy vs Rent (15%)100
Cancellation Rate (10%)0
Days on Market (5%)75

Moderate buyer leverage in 97035. Room to negotiate 5-10% below list. Payment burden: 36.0% of median income. Median days on market: 63. Renting is approximately 156% cheaper than buying (price-to-rent ratio: 30.7). Market appears 14% overpriced vs. assessed values.

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.
STABLESELLER SLIGHT

Market is holding steady with balanced conditions. Sellers hold a slight edge.

Address lookup$99 report path

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Market snapshoteach number, once

Median price
$752,557
▾ 0.1% YoY
Days on market
21
daily · zip_data
Median rent
$2,041
ZORI
Investor score
32/100
cash-flow lens
Active listings
129
90-day

Valuation3 lenses, different anchors

vs assessor
-68.4%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$237,900
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+53.9%
County-wide market — the widest, slowest signal.
Multnomah+53.9%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$226
Price-to-income5.9×

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How 97035 ranks in OR
percentile vs all Oregon ZIPs · n=400
Market velocity81%
Supply tightness52%
Affordability52%
Investment yield38%
Appreciation35%

Affordability, supply & momentum

34SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply15.5 mo
Days on Market21d
Inv vs History+18.1%
Listing Density--
Affordability — payment burden
Monthly payment (P&I)$3,801
Payment burden36%
Median income · ZIP$126,866
Mortgage rate6.49% · 30yr
Total monthly own$4,554
Monthly rent$2,041
Market dynamics
Price cut %25.1%
Momentumstable
LeverageSELLER SLIGHT
Months of supply15.5
Sales (90d)0
Investment analysis
Median rent$2,041
Price-to-rent30.7
Est. cap rate2.1%
Buy vs rentfavors renting

Livability

Walk score7
Transit score3
Bike score

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Clackamas County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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