ZIP Code 97086: Population, Income, Housing

State: OR

Total population: 34,567 Household income: $102,359 Rent: $1,746

Overview

Total population

34,567

Rent

$1,746

Year built

1999

Household income

$102,359

Per capita income

$51,898

Poverty rate

9.5%

Unemployment rate

N/A

Household size

2.7 persons

Rent over 30% of income

52.5%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State

Oregon

County

Clackamas County

City

Happy Valley

Total population

34,567

Adults over 25

23,561

Total households

12,727

Household size

2.7 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Income & Poverty

Household income

$102,359

Per capita income

$51,898

Poverty rate

9.5%

Unemployment rate

N/A

Rent over 30% of income

52.5%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Housing

Rent

$1,746

Year built

1999

Households that rent

37.3%

Households that own

62.7%

Rooms per home (all homes)

5.8

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Race

White

64.2%

Black

2.9%

Asian

16%

Two or more races

12.7%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Ethnicity

Hispanic or Latino

10.5%

Not Hispanic or Latino

89.5%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Commute

Commute rate

13,621 (79.6%)

Commute time to work

26 mins

Work from home

3,490 (20.4%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Education

Less than high school

28.4%

High school graduate or GED

18.3%

Some college or associate degree

11.3%

Bachelor’s degree or higher

41.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Comparison of ZIP Code 97086 with: Clackamas County, OR Portland metro area, OR-WA Oregon United States

ZIP 97086

Total population34,567

Rent$1,746

Year built1999

Household income$102,359

Per capita income$51,898

Poverty rate9.5%

Unemployment rateN/A

Clackamas County, OR

Total population423,975

Rent$1,758

Year built1985

Household income$103,517

Per capita income$53,728

Poverty rate7.7%

Unemployment rate4%

Portland Metro Area, OR-WA

Total population2,520,987

Rent$1,724

Year built1984

Household income$97,436

Per capita income$51,936

Poverty rate9.5%

Unemployment rate4%

Oregon State

Total population4,254,293

Rent$1,525

Year built1981

Household income$83,011

Per capita income$45,612

Poverty rate11.9%

Unemployment rate4.2%

United States

Total population334,922,499

Rent$1,413

Year built1980

Household income$80,734

Per capita income$44,673

Poverty rate12.5%

Unemployment rate4%

Metric	ZIP97086	CountyClackamas, OR	Metro AreaPortland metro area, OR-WA	StateOregon	CountryUnited States
Total population	34,567	423,975	2,520,987	4,254,293	334,922,499
Rent	$1,746	$1,758	$1,724	$1,525	$1,413
Year built	1999	1985	1984	1981	1980
Household income	$102,359	$103,517	$97,436	$83,011	$80,734
Per capita income	$51,898	$53,728	$51,936	$45,612	$44,673
Poverty rate	9.5%	7.7%	9.5%	11.9%	12.5%
Unemployment rate	N/A	4%	4%	4.2%	4%

View the full multi-level comparison →

Summary for 97086

Rent & Income

In 97086, the typical monthly rent is $1,746 and the typical household income is $102,359. Rent here is higher than Oregon, and household income is higher than Oregon. The estimated poverty rate is 9.5%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 37.3% of households. About 52.5% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is high, with about 41.9% of adults holding a bachelor’s degree or higher.

ZIP 97086 — Rent vs Household Income

ZIP 97086 — Poverty

How ZIP 97086 compares in Oregon (57 ZIP Codes)

Metric	This ZIP	Rank	Starts from	State range
Rent	$1,746	41 / 57	from lower rent	$1,022 – $2,102
Household income	$102,359	14 / 57	from higher income	$52,022 – $161,570
Poverty rate	9.5%	20 / 57	from lower poverty	5.1% – 28.5%

Rankings are calculated among ZIP Codes in Oregon with total population > 30,000 (year 2024).

Detailed Ranking Explanation for ZIP Code 97086

Rent

In terms of rental prices, this ZIP stands 41st out of 57 ZIP Codes in Oregon. Across Oregon, figures vary from $1,022 in ZIP 97603 up to $2,102 in ZIP 97068.

Household income

When comparing household incomes, ZIP Code 97086 stands 14th out of 57 ZIP Codes. Throughout Oregon, numbers span from $52,022 in ZIP 97401 up to $161,570 in ZIP 97229.

Poverty rate

Looking at poverty indicators, this ZIP stands 20th out of 57 ZIP Codes. At the state level, values extend from 5.1% in ZIP 97007 up to 28.5% in ZIP 97401.

💰 Rent in ZIP Code 97086 (with Utilities)

Estimated Monthly Rent: $1,746 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 97086

Annual Household Income: $102,359

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 97086

Estimated Rate: 9.5%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 97086

In ZIP Code 97086, households that rent: 4,750 (37.3%)

📊 What does the renter household percentage reveal about this ZIP Code?

Household Type	Count	Share
Renter-Occupied	4,750	37.3%
Owner-Occupied	7,977	62.7%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 97086

In ZIP Code 97086, cost-burdened renters (households spending over 30% of income on housing): 2,492 (52.5%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?

Household Group	Households	Share
Cost-burdened renters (over 30%)	2,492	52.5%
Other renter households	2,258	47.5%
Total renter households	4,750	100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 97086

Less than High School: 6,698 people (28.4%)

Includes adults who did not complete high school.

High School Graduate or GED: 4,317 people (18.3%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 2,664 people (11.3%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 9,882 people (41.9%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 23,561

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.