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97457, OR Home Insurance
In the zip code of 97457, the population size is around 10,363, which consists of 4,234 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Myrtle Creek, OR. A few years ago, a study was done and found that the average home insurance rates for Oregon are around $543 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 97457 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Myrtle Creek. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!
If you would like to review more information on rates within your area, please click Myrtle Creek, OR Homeowners Insurance Online Rates Today!
97457 Home Insurance Average Premiums
$293 /yr.
Shows Zip Code: 97457 lowest rates with discounts applied on average.
For the 97457, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $293 /yr. |
| Average Coverage: | $543 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $843 /yr. |
What is the average home insurance cost for a home in 97457?
- • The average homeowners insurance premium paid annually for a home in 97457 is around $543 per year.
What does it cost on average per month for home insurance in 97457?
- • Homeowners in 97457 pay a monthly average cost per month around $45.00.
What kind of discount could I get if I combine my home and auto insurance together in 97457?
- • Autoowners in 97457 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
For shopping home insurance rates within the Myrtle Creek area, check out other zip codes nearby 97457.
Review average rates in another zip code:
97457 homeowners insurance rates
Home Replacement Cost Coverage in 97457
Average Building Cost Per Square Foot in 97457: $221
Location: Myrtle Creek, Oregon (Douglas County)Average Square Footage in 97457: 905 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 97457 before you start any project. Myrtle Creek homeowners pay on average around $221 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 97457 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Here is how you determine your replacement cost. If we take an average home in 97457 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 905 sq. ft. and the average cost to rebuild the home in this area is around $221 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Myrtle Creek area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.
| Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $221 | 905 | $200,100 |
| Additional Upgrades & Added Features | $276 | 905 | $250,125 |
| Major Home Updates or Advancements | $332 | 905 | $300,150 |
It's important to understand that when you estimate your replacement cost of your home in the 97457 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.
Best Homeowners Insurance Agencies in 97457
Best Home & Auto Insurance Agencies in 97457
State Farm Insurance: Carter Andersen Ins Agency Incorporated
Address: 239 N Main St Myrtle Creek, OR 97457Phone:
Website: http://www.statefarm.com/
Info:
Carter Andersen Ins Agency Inc - State Farm Insurance Agent
Address: 121 NW 2nd Ave Myrtle Creek, OR 97457Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
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Housing Demographics for 97457
Population Review for 97457 Zip Code
For the city of Myrtle Creek, the population within 97457 has increased to over 8,308 residents in population size. The current population total is 10,363. We have broken down the population based on race below. In 97457, there are over 5175 in male population and 5188 females.
| Population | Values |
|---|---|
| Total Population | 10,363 |
| White Population | 8888 |
| Black Population | 27 |
| Hispanic Population | 584 |
| Asian Population | 80 |
| Hawaiian Population | 20 |
| Indian Population | 323 |
| Other Population | 154 |
| Male Population | 5175 |
| Female Population | 5188 |
| Population Estimate | 8308 |
Household Data for 97457
The average number of homes in 97457 is around 4,234, there are an average of 2.44 per household. The average house value according to local real estate values is around $200,100. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 4,234 |
| Persons Per Household | 2.44 |
| Average House Value | $200,100 |
| Income Per Household | $51131 |
| Median Age | 47.2 |
| Median Age Male | 45.9 |
| Median Age Female | 48.3 |
| 97457 Details | Values |
|---|---|
| State | OR |
| State Full Name | Oregon |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 541/458 |
| City | Myrtle Creek |
| City Alias Name | MYRTLE CREEK |
| County | Douglas |
| County FIPS | 019 |
| State FIPS | 41 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 40700 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Roseburg, OR |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 175 |
| Number Of Employees | 1225 |
| Business First Quarter Payroll | 9980 |
| Business Annual Payroll | 46933 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 107667 |
| CBSA Division Population | 0 |
| Congressional District | 04 |
| Congressional LandArea | 17274.04 |
| Delivery Residential | 3405 |
| Delivery Business | 81 |
| Delivery Total | 4902 |
| Preferred Last Line Key | Z15303 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z15303 |
| Land Area | 164.040000 |
| Water Area | 0.010000 |
| City Alias Code | |
| City Mixed Case | Myrtle Creek |
| City Alias Mixed Case | Myrtle Creek |
| Box Count | 1247 |
| SFDU | 2558 |
| MFDU | 8 |
| State ANSI | 41 |
| County ANSI | 019 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 405920 |
| Unique ZIP Name | |
| SSA State County Code | 38090 |
| Medicare CBSA Code | 99938 |
| Medicare CBSA Name | Rural Areas in OR |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 7 |
| County Mixed Case | Douglas |
Oregon Homeowners Insurance News & Information
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Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024
According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high. “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]
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Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024
According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]
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Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024
One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]