Location: Umatilla County, OR | Metro: Umatilla County, OR
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $830 |
| 1 Bedroom | $910 |
| 2 Bedrooms | $1,200 |
| 3 Bedrooms | $1,670 |
| 4 Bedrooms | $2,010 |
| 5 Bedrooms | $2,332 |
| 6 Bedrooms | $2,612 |
| 7 Bedrooms | $2,821 |
| 8 Bedrooms | $2,962 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,200 | $227,308 | 0.53% | F |
| 3BR | $1,670 | $298,790 | 0.56% | F |
U.S. Census Bureau data (2024)
The ZIP code 97875, encompassing Stanfield, OR, presents a market in flux, driven by the interplay between federal guidelines and local rental realities. The Fair Market Rent (FMR) for the area, set at $1,330 for fiscal year 2026, is a benchmark established by HUD to guide programs such as Section 8. However, the actual market rent, as reported by the Census ACS, stands significantly lower at $871. This discrepancy suggests that the local rental market is not fully aligned with federal expectations, indicating a potential for upward pressure on rents if the market adjusts to meet the FMR.
The median home value of $284,906 offers insight into the broader housing landscape. While this figure is stable, the lack of specific data on price-cut share and days on market (DOM) prevents a detailed analysis of recent trends in home sales. Nonetheless, the gap between FMR and market rent implies a dynamic rental market, potentially due to a mismatch between supply and demand. In this case, it appears that supply may be exceeding demand, as evidenced by the lower-than-FMR rental prices.
The 27.8% share of renters in the area signals a notable portion of the population relying on the rental market. This percentage indicates a significant long-term housing pressure, as a higher proportion of renters often correlates with an ongoing need for affordable housing options. Landlords and small-portfolio investors should consider the potential for increased demand as the population seeks affordable rental options, which could lead to a gradual rise in rental prices to align more closely with the FMR.
In summary, the dynamics of ZIP 97875 reveal a rental market that is currently underserved relative to federal standards, with a substantial segment of the population租房市场目前尚未达到联邦标准，27.8%的租房比例表明该地区存在长期住房压力。房东和小投资组合投资者应该考虑人口对负担得起的住房选择的需求增加，这可能会导致租金逐渐上涨以更接近FMR。
请注意，原文提供的数据中有关降价份额和在市场上待售天数的信息标记为N/A，这意味着没有这些具体的数据来进行详细的分析。然而，从公平市场租金（FMR）与实际市场租金之间的差距可以看出，租赁市场正在经历动态变化，可能是由于供需不匹配造成的。在这种情况下，似乎供应超过了需求，因为实际租金低于FMR。租房比例为27.8%，表明该地区有相当一部分人口依赖租赁市场，这进一步说明了长期存在的住房压力。总的来说，ZIP代码97875（俄勒冈州斯坦菲尔德）的市场动态显示，当前的租赁市场尚未达到联邦标准，而较高的租房比例则表明该地区存在长期住房压力。随着人口对负担得起的住房选择的需求增加，投资者应考虑这一趋势可能带来的影响。Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-07-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.