In Junction City, a typical home is worth $421,900 and typical rent is $1,316 a month. Compared with all of Lane County, typical household income is 20% higher.
Typical home value from Zillow, September 2021 to September 2026: from $428,856 to $482,841.
Typical rent
$1,865a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Junction City is in Lane County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Lane County. See the county
What this place has that others do not, from public data, most unusual first.
1
Junction City has the smallest share of rent-burdened renters of the 93 cities in Oregon with more than 5,000 people: 32%.
2
The typical household income in Junction City is $85,595,20% more than in Lane County as a whole ($71,544).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Junction City
What homes there are in Junction City, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Junction City
Lane County
Oregon
United States
Kind of home: Junction City and its comparisons
Measure
Junction City
Lane County
Oregon
United States
Detached house
65%
61%
63%
61%
Attached house
Unreliable estimate
6%
5%
6%
Building of 2 to 4
Unreliable estimate
8%
7%
8%
Apartments (5 or more)
Unreliable estimate
17%
18%
19%
Mobile home
Unreliable estimate
8%
7%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
Detached houses, standing on their own, make up 65% of homes here, against 61% in Lane County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Junction City
Lane County
Oregon
United States
Year built: Junction City and its comparisons
Measure
Junction City
Lane County
Oregon
United States
Before 1960
22%
21%
23%
26%
1960–1979
25%
34%
26%
24%
1980–1999
14%
23%
25%
25%
2000–2009
Unreliable estimate
12%
14%
14%
2010 or later
30%
10%
12%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K17%
$300K–$500K42%
$500K–$750K35%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Junction City and its comparisons
Measure
Junction City
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
17%
$300K–$500K
42%
$500K–$750K
35%
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99929%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Junction City and its comparisons
Measure
Junction City
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
29%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,941 a month
Lane County: $1,949 a month
Without a mortgage
$520 a month
Lane County: $642 a month
Owners with a mortgage
83%
Lane County: 62%
In Junction City, 83% of owners have a mortgage; their typical cost is $1,941 a month, about the same as in Lane County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Junction City+83%
Lane County+64%
Oregon+53%
United States+53%
Typical rent
Junction City+71%
Lane County+37%
Oregon+37%
United States+33%
Typical household income
Junction City+56%
Lane County+37%
Oregon+32%
United States+29%
Change since 2015–2019: Junction City and its comparisons
Measure
Junction City
Lane County
Oregon
United States
Typical home value
+83%
+64%
+53%
+53%
Typical rent
+71%
+37%
+37%
+33%
Typical household income
+56%
+37%
+32%
+29%
The typical home value in Junction City rose 83% since 2015–2019, more than in Lane County (64%).
The typical rent in Junction City rose 71% over the same time; in Lane County, it rose 37%.
The typical household income in Junction City rose 56%: less than home values (+83%) and rent (+71%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Junction City and its comparisons
Measure
Junction City
Lane County
Oregon
United States
Rental vacancy
Unreliable estimate
3.2%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
0.7%
0.9%
More than one person per room
Unreliable estimate
2.6%
3.2%
3.4%
People per household
2.31
2.33
2.42
2.53
Drive alone
75%
66%
65%
69%
Carpool
Unreliable estimate
9%
9%
9%
Public transit
Unreliable estimate
2%
2%
3%
Walk or bike
Unreliable estimate
7%
5%
3%
Work from home
8%
16%
19%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Junction City look like those in Lane County: 2.31 people on average.
To get to work, 75% of workers in Junction City drive alone; in Lane County, 66%.
Do the math
What would you pay each month for a home in Junction City?
A typical home costs more than the typical income allows
We start with a typical home in Junction City, worth $421,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Junction City, which is $85,595 a year. For that payment to be 28% of income, a household would need to earn about $148,007 a year.
The calculator's FHA and conventional loan limits are those of all of Lane County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Junction City. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $14,767 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,454
at 7.18% · 30 years
Loan amount
$414,258
Total interest
$596,020
Paid off in
November 2056
Includes $7,125 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,997 a month
Tight
$1,997 to $2,568 a month
Hard
more than $2,568 a month
Your payment · 48%
Compared with the typical household income in Junction City ($85,595 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,806
Property tax
$285
Home insurance
$176
FHA mortgage insurance (MIP)
$187
You need at least $14,767 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,454; principal and interest $2,806.
The city and its county
Junction City and Lane County
Junction City is in Lane County, Oregon. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Junction City
Map of Lane County, Oregon, with Junction City marked. Around it, the neighboring counties.
Junction City
Lane County
Other cities with a page
Junction City's own numbers
Typical home value
$421,900
Typical monthly rent
$1,316
Typical yearly household income
$85,595
Households that own their home
59%
Effective property tax rate
0.81%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Lane County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,546
Price change over 5 years (FHFA)
+41%
Homes in a high flood-risk zone
6.6%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Lane County.
A typical home in Junction City is worth $421,900: 2% below the county and 12% below Oregon. With the typical household income in Junction City ($85,595 a year), a typical home costs 4.9 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Junction City4.9 years
Lane6.0 years
Oregon5.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Lane County
According to FHFA’s house price index, home prices in Lane County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Lane County.
Yearly change in FHFA’s price index in Lane County, 2016 to 2025
2016: +7.6% +7.6% 2016
2017: +8.8% +8.8% 2017
2018: +8.2% +8.2% 2018
2019: +6.4% +6.4% 2019
2020: +5.5% +5.5% 2020
2021: +15.7% +15.7% 2021
2022: +15.0% +15.0% 2022
2023: +2.4% +2.4% 2023
2024: +2.4% +2.4% 2024
2025: +1.2% +1.2% 2025
Change in FHFA’s price index in Lane County, Oregon and the United States
Period
County
Oregon
U.S.
Last year (2025)
+1.2%
+0.9%
+2.9%
5 years (2020–2025)
+41%
+35%
+47%
10 years (2015–2025)
+101%
+86%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Junction City next to Lane County, Oregon and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Junction City$421,900
Lane$430,600
Oregon$477,600
United States$332,700
Typical monthly rent
Junction City$1,316
Lane$1,355
Oregon$1,525
United States$1,413
Typical yearly household income
Junction City$85,595
Lane$71,544
Oregon$83,011
United States$80,734
See the full table
Junction City next to Lane County and Oregon
Measure
Junction City
Lane County
Oregon
U.S.
Typical home value
$421,900 ▼2% below the county
$430,600
$477,600
$332,700
Typical monthly rent
$1,316 ▼3% below the county
$1,355
$1,525
$1,413
Typical yearly household income
$85,595 ▲20% above the county
$71,544
$83,011
$80,734
Households that own their home
59%
60%
63%
65%
Typical yearly property tax
$3,414 ▼3% below the county
$3,536
$3,876
$3,119
Effective property tax rate
0.81% ▼0.01 points below the county
0.82%
0.81%
0.94%
Renters with high rent for their income
32% ▼23 points below the county
55%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lane County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Junction City
For a typical $421,900 home in Junction City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Junction City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,454a month
Least cash to close
Down payment
$14,767
Cash to close
$27,424
Rate
7.18%
Mortgage insurance
FHA MIP · $187
Conventional, 5% down$3,376a month
Down payment
$21,095
Cash to close
$33,752
Rate
7.18%
Mortgage insurance
PMI · $200
Conventional, 20% down, no PMI$2,747a month
Down payment
$84,380
Cash to close
$97,037
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,137a month
Down payment
$63,285
Cash to close
$75,942
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Junction City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,454
$14,767
$414,258
7.18%
FHA MIP · $187
$27,424
580
Conventional, 5% down
$3,376
$21,095
$400,805
7.18%
PMI · $200
$33,752
620*
Conventional, 20% down, no PMI
$2,747
$84,380
$337,520
7.18%
None
$97,037
620*
ITIN, 15% down (example)
$3,137
$63,285
$358,615
8.18%
None
$75,942
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Junction City is $1,316 a month: 3% below the county. In Junction City, 32% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Lane County, by unit size. To pay the 2-bedroom one ($1,546 a month) without spending more than 30% of your income, you would need to earn $29.73 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Lane County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,157
$22.25
$46,280
1 bedroom
$1,182
$22.73
$47,280
2 bedrooms
$1,546
$29.73
$61,840
3 bedrooms
$2,141
$41.17
$85,640
4 bedrooms
$2,584
$49.69
$103,360
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Junction City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Junction City is in ZIP code 97448.
For 2 bedrooms it is $1,650: $104 more than the fair market rent for Lane County ($1,546).
Fair market rent by ZIP code and size in Junction City, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
97448
$1,220
$1,310
$1,650
$2,290
$2,580
ZIP code2 bd3 bd
97448 $1,650$2,290
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Junction City when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 3 buildings with rents for lower incomes in Junction City. These are the largest.
Veneta and JC Units840 Holly St, Junction City 9744890 low-income homes · Run by Housing Authority & Comm Svcs of Lane Co · Average payment: $403 a month · Average wait: 39 months · Homes at several sites(541) 682-3755
Alona Place1st Ave / Oak ST, Junction City 9744840 low-income homes · 1 bd: 8 · 2 bd: 20 · 3 bd: 11 · In service since 2016 · For families
Northtowne Apartments475 E 9th Ave, Junction City 9744834 low-income homes · For older adults(541) 998-2303
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There is 1 HUD-approved agency with an office in Lane County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Junction City or Lane County. The ones below are statewide in Oregon: they work in Junction City the same as in the rest of the state.
Oregon state funds for the down payment and closing costs, delivered by local organizations: up to $60,000 or 20% of the price, sometimes as a grant or as a forgivable second mortgage, for first-time or first-generation buyers with income up to 100% of the area median.Offered by Oregon Housing and Community Services (OHCS).
Oregon Housing and Community Services mortgage for low- and moderate-income first-time buyers, with down payment assistance of 4% or 5% of the loan as a second mortgage.Offered by Oregon Housing and Community Services (OHCS).
Oregon Housing and Community Services mortgage for any buyer, including people who have owned a home before, with down payment assistance of 4% or 5% of the loan as a second mortgage that can be forgivable or repayable.Offered by Oregon Housing and Community Services (OHCS).
The HUD-approved agencies closest to the center of Junction City, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Junction City or Lane County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Junction City and all of Lane County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Junction City?
The typical home value in Junction City is $421,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lane County it is $430,600.
How much does it cost to rent in Junction City?
Typical rent in Junction City is $1,316 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lane County is $1,546.
What is the FHA loan limit in Junction City?
Junction City uses the FHA limit for all of Lane County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Junction City?
The typical homeowner in Junction City pays $3,414 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Lane County, the rate is 0.82%.
Where can I find free help to buy or rent in Junction City?
There is 1 HUD-approved counseling agency with an office in Lane County. They can help you get ready to buy, with your credit, or with rent.
