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📍 Christmas Valley, OR · Zillow ZHVI · July 2026

Average Home Price in
Christmas Valley, OR

Lake County County

Median Home Value
$168,171
↓ 7.4% year-over-year
vs. National Median
$410,000
Christmas Valley is 59% below
Est. Monthly Payment
$877/mo
20% down · 6.8% rate
Income Needed
$45K
gross annual (30% rule)
Median Home Value
$168,171
↓ 7.4% year-over-year
Down Payment (20%)$33,634
Monthly P&I$877/mo
With Taxes & Ins.~$1,114/mo
Income Needed$44,560/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Christmas Valley, OR

The median home value in Christmas Valley, OR is $168,171 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 7.4% compared to a year ago and up 8% from two years prior.

Compared to the U.S. national median of $410,000, homes in Christmas Valley are priced59% below average.

City Comparison

Christmas Valley vs. National Median

🏠 Christmas Valley
$168,171
National Median
$410,000

At $168,171, homes in Christmas Valley cost 59% below the national median of $410,000. This makes Christmas Valley a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Christmas Valley?

20% Down Payment
$33,634
on $168,171
Monthly P&I
$877/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,114/mo
incl. taxes & insurance
Income Needed
$44,560
gross annual (30% rule)
10% Down Option
$16,817
+ PMI applies
Loan Amount (20% dn)
$134,537
at current rates

Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.

FAQ

Frequently Asked Questions

What is the average home price in Christmas Valley, OR?
The median home value in Christmas Valley is $168,171 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 7.4% year-over-year.
How much have home prices changed in Christmas Valley?
Over the past year, home values in Christmas Valley have decreased by 7.4%.
How much do I need to earn to buy a home in Christmas Valley?
To comfortably afford the median home price of $168,171 with a 20% down payment ($33,634) at today's rates (6.8%), you'd need a gross annual income of approximately $44,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Christmas Valley compare to the national average home price?
The national median home value is approximately $410,000. At $168,171, homes in Christmas Valley are 59% below the national average.