In Oregon, a typical home is worth $204,600 and typical rent is $900 a month. Compared with all of Lucas County, typical household income is 32% higher, the typical home value is 25% higher, and the share of households that own their home is 13 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $173,965 to $229,043.
Typical rent
$1,592a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Oregon is in Lucas 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 Lucas County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Toledo, the typical home value is $114,500: 44% less than in Oregon ($204,600).
2
The typical household income in Oregon is $82,197,32% more than in Lucas County as a whole ($62,224).
3
The typical home in Oregon is worth $204,600,25% more than in Lucas County as a whole ($163,900).
4
75% of households in Oregon own their home, against 62% in Lucas County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Oregon
What homes there are in Oregon, 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
Oregon
Lucas County
Ohio
United States
Kind of home: Oregon and its comparisons
Measure
Oregon
Lucas County
Ohio
United States
Detached house
76%
68%
69%
61%
Attached house
3%
4%
5%
6%
Building of 2 to 4
4%
8%
8%
8%
Apartments (5 or more)
16%
18%
15%
19%
Mobile home
Unreliable estimate
2%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Oregon: 76% of homes, more than in Lucas County (68%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Oregon
Lucas County
Ohio
United States
Year built: Oregon and its comparisons
Measure
Oregon
Lucas County
Ohio
United States
Before 1960
33%
47%
38%
26%
1960–1979
34%
26%
26%
24%
1980–1999
18%
16%
20%
25%
2000–2009
9%
7%
10%
14%
2010 or later
6%
5%
7%
11%
The typical home in Oregon was built in 1971, 8 years after the typical one in Lucas County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K9%
$100K–$200K40%
$200K–$300K28%
$300K–$500K20%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Oregon and its comparisons
Measure
Oregon
Under $100K
9%
$100K–$200K
40%
$200K–$300K
28%
$300K–$500K
20%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 96% of owner-occupied homes in Oregon sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99955%
$1,000–$1,49926%
$1,500–$1,9996%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Oregon and its comparisons
Measure
Oregon
Under $500
Unreliable estimate
$500–$999
55%
$1,000–$1,499
26%
$1,500–$1,999
6%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,492 a month
Lucas County: $1,394 a month
Without a mortgage
$607 a month
Lucas County: $568 a month
Owners with a mortgage
63%
Lucas County: 59%
The typical cost for an owner with a mortgage in Oregon is $1,492 a month, more than in Lucas County ($1,394); without one, $607.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Oregon+42%
Lucas County+41%
Ohio+47%
United States+53%
Typical rent
Oregon+34%
Lucas County+25%
Ohio+28%
United States+33%
Typical household income
Oregon+37%
Lucas County+28%
Ohio+26%
United States+29%
Change since 2015–2019: Oregon and its comparisons
Measure
Oregon
Lucas County
Ohio
United States
Typical home value
+42%
+41%
+47%
+53%
Typical rent
+34%
+25%
+28%
+33%
Typical household income
+37%
+28%
+26%
+29%
From 2015–2019 to 2020–2024, home values in Oregon rose at about the same pace as in Lucas County: 42% against 41%.
Since 2015–2019, the typical rent in Oregon rose 34%, more than in Lucas County (25%).
To compare: typical income in Oregon rose 37%; the home, +42%; the rent, +34%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Oregon and its comparisons
Measure
Oregon
Lucas County
Ohio
United States
Rental vacancy
Unreliable estimate
5.1%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.5%
1.5%
3.4%
People per household
2.42
2.29
2.37
2.53
Drive alone
84%
79%
75%
69%
Carpool
9%
9%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
5%
9%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.42 on average, against 2.29 in Lucas County.
The car rules in Oregon: 84% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Oregon?
A typical home is within reach of the typical income
We start with a typical home in Oregon, worth $204,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Oregon, which is $82,197 a year.
The calculator's FHA and conventional loan limits are those of all of Lucas 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 Oregon. 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 $7,161 (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
$1,787
at 7.18% · 30 years
Loan amount
$200,894
Total interest
$289,040
Paid off in
November 2056
Includes $3,455 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,918 a month
Your payment · 26%
Tight
$1,918 to $2,466 a month
Hard
more than $2,466 a month
Compared with the typical household income in Oregon ($82,197 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,361
Property tax
$251
Home insurance
$85
FHA mortgage insurance (MIP)
$90
You need at least $7,161 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 $1,787; principal and interest $1,361.
The city and its county
Oregon and Lucas County
Oregon is in Lucas County, Ohio. 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).
Oregon
Map of Lucas County, Ohio, with Oregon marked. Around it, the neighboring counties.
Oregon
Lucas County
Other cities with a page
Oregon's own numbers
Typical home value
$204,600
Typical monthly rent
$900
Typical yearly household income
$82,197
Households that own their home
75%
Effective property tax rate
1.47%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Lucas County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,145
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
2.2%
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 Lucas County.
A typical home in Oregon is worth $204,600: 25% above the county and 5% below Ohio. With the typical household income in Oregon ($82,197 a year), a typical home costs 2.5 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.
Oregon2.5 years
Lucas2.6 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Lucas County
According to FHFA’s house price index, home prices in Lucas County rose 86% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Lucas County.
Yearly change in FHFA’s price index in Lucas County, 2016 to 2025
2016: +4.1% +4.1% 2016
2017: +4.0% +4.0% 2017
2018: +4.5% +4.5% 2018
2019: +5.5% +5.5% 2019
2020: +3.4% +3.4% 2020
2021: +10.8% +10.8% 2021
2022: +11.7% +11.7% 2022
2023: +8.1% +8.1% 2023
2024: +7.3% +7.3% 2024
2025: +5.0% +5.0% 2025
Change in FHFA’s price index in Lucas County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+5.0%
+4.8%
+2.9%
5 years (2020–2025)
+51%
+53%
+47%
10 years (2015–2025)
+86%
+93%
+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
Oregon next to Lucas County, Ohio and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Oregon$204,600
Lucas$163,900
Ohio$214,800
United States$332,700
Typical monthly rent
Oregon$900
Lucas$934
Ohio$1,034
United States$1,413
Typical yearly household income
Oregon$82,197
Lucas$62,224
Ohio$71,389
United States$80,734
See the full table
Oregon next to Lucas County and Ohio
Measure
Oregon
Lucas County
Ohio
U.S.
Typical home value
$204,600 ▲25% above the county
$163,900
$214,800
$332,700
Typical monthly rent
$900 ▼4% below the county
$934
$1,034
$1,413
Typical yearly household income
$82,197 ▲32% above the county
$62,224
$71,389
$80,734
Households that own their home
75% ▲13 points above the county
62%
67%
65%
Typical yearly property tax
$3,013 ▲9% above the county
$2,773
$2,822
$3,119
Effective property tax rate
1.47% ▼0.22 points below the county
1.69%
1.31%
0.94%
Renters with high rent for their income
37% ▼8 points below the county
45%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lucas 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 Oregon
For a typical $204,600 home in Oregon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oregon's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,787a month
Least cash to close
Down payment
$7,161
Cash to close
$13,299
Rate
7.18%
Mortgage insurance
FHA MIP · $90
Conventional, 5% down$1,750a month
Down payment
$10,230
Cash to close
$16,368
Rate
7.18%
Mortgage insurance
PMI · $97
Conventional, 20% down, no PMI$1,445a month
Down payment
$40,920
Cash to close
$47,058
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,634a month
Down payment
$30,690
Cash to close
$36,828
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Oregon
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,787
$7,161
$200,894
7.18%
FHA MIP · $90
$13,299
580
Conventional, 5% down
$1,750
$10,230
$194,370
7.18%
PMI · $97
$16,368
620*
Conventional, 20% down, no PMI
$1,445
$40,920
$163,680
7.18%
None
$47,058
620*
ITIN, 15% down (example)
$1,634
$30,690
$173,910
8.18%
None
$36,828
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 Oregon is $900 a month: 4% below the county. In Oregon, 37% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Lucas County, by unit size. To pay the 2-bedroom one ($1,145 a month) without spending more than 30% of your income, you would need to earn $22.02 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 Lucas County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$822
$15.81
$32,880
1 bedroom
$875
$16.83
$35,000
2 bedrooms
$1,145
$22.02
$45,800
3 bedrooms
$1,461
$28.10
$58,440
4 bedrooms
$1,558
$29.96
$62,320
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 Oregon
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oregon is in ZIP code 43616.
For 2 bedrooms it is $1,100: $45 less than the fair market rent for Lucas County ($1,145).
Fair market rent by ZIP code and size in Oregon, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
43616
$790
$840
$1,100
$1,400
$1,500
ZIP code2 bd3 bd
43616 $1,100$1,400
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Oregon 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)
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 are 3 HUD-approved agencies with an office in Lucas County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Oregon or Lucas County. The ones below are statewide in Ohio: they work in Oregon the same as in the rest of the state.
Ohio state agency help of 2.5% or 5% of the price for the down payment, closing costs or other costs before closing, forgiven after seven years; if you sell sooner, you repay all of it.Offered by Ohio Housing Finance Agency (OHFA).
Ohio state agency certificate that turns part of your mortgage interest into a credit on your federal tax return, up to $2,000 a year: 40% with an OHFA mortgage (MTC Plus) or 15% to 20% with another mortgage (MTC Basic).Offered by Ohio Housing Finance Agency (OHFA).
No legal help resource on our list is for Oregon or Lucas 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 Oregon and all of Lucas 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 Oregon?
The typical home value in Oregon is $204,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lucas County it is $163,900.
How much does it cost to rent in Oregon?
Typical rent in Oregon is $900 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lucas County is $1,145.
What is the FHA loan limit in Oregon?
Oregon uses the FHA limit for all of Lucas 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 Oregon?
The typical homeowner in Oregon pays $3,013 a year, according to the U.S. Census Bureau. That is 1.47% of the home’s value; in Lucas County, the rate is 1.69%.
Where can I find free help to buy or rent in Oregon?
There are 3 HUD-approved counseling agencies with an office in Lucas County. They can help you get ready to buy, with your credit, or with rent.
