Sep 2026
$409K
-4.2% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Albany, OR housing market
Albany, OR metro median sale price $409K in Sep 2026, down 4.2% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the Albany, OR metro is $409K as of Sep 2026, down 4.2% from a year earlier. That is the 13th-steepest year-over-year decline of the 383 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro shows a smaller change, down 0.8% through Q2 2026, 3.4 points apart; Price reconciliation below shows both.
Albany has the lowest median sale price of the eight Oregon metros Pecan Street tracks ($409K); Grants Pass ($426K) is next. Albany has the fewest median days on market of the eight Oregon metros (62 days); Eugene (63 days) is next. On share of listings with a price cut, Albany (51%) ranks 3rd of the eight Oregon metros, between Portland (51%) and Salem (49%).
Listings spent a median 62 days on market in Sep 2026, more than in most of the 385 metros. 51% of active listings carry a price cut, 7.6 points more than a year earlier. That share is the 28th-highest of the 385 metros. Median asking prices sit about 8% above the median sale price.
At the 7.29% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $2,244 a month; at 28% of gross income, that takes about $96K a year. The median sale price equals about 14 years of HUD Fair Market Rent, a ratio down 7.7% from a year earlier. That ratio is lower than in most of the 373 metros. Active listings ask a median $280 per square foot, down 0.2% from a year earlier.
In two of the three ZIP codes in the table below, median list prices are lower than a year earlier; one is higher.
Headline
Oct 15, 2026
7.29%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$2,244/mo
$96K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Albany compares to other U.S. metros
| Home-price growth | ↓371st of 383 |
|---|---|
| Price cuts | ↑28th of 385 (top 8%) |
| Price-to-rent | ↓248th of 373 |
| Asking-vs-sale gap | ↑106th of 292 (top 37%) |
| Days on market | ↑143rd of 385 (top 38%) |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 14 -7.7% YoY ↓248th of 373 |
|---|---|
| Asking price / sq ft | $280 -0.2% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 51% +7.6 pts YoY ↑28th of 385 (top 8%) |
|---|
The median asking price $442K runs about 8% above the median sale price $409K.
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. Asking is the median list price of active listings (Realtor.com, this month); sale is the headline median of recent closings (Redfin, a rolling 3-month median) — distinct sources and windows, so the gap is a directional read, not a like-for-like difference. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 3 shown of 15 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
amber · 3.4ppRedfin (metro) -4.2% | FHFA HPI · Q2 2026 -0.8% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
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Start free trialZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 97322 | $448K↑ | 109↑ | 46↑ | 66↑ | 50↑ | $404K↓ |
| 97355 | $428K↓ | 109↑ | 26↑ | 46↑ | 52↓ | $392K↑ |
| 97386 | $365K↓ | 71↓ | 16↓ | 28↑ | 79↑ | $347K↓ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.