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State

Data from November 2026

Housing , home prices, rents and assistance in Oregon (2026)

A typical home in Oregon is worth $477,600; the typical rent is $1,525 a month. Depending on the county, the FHA limit for a one-unit home is between $541,287 and $762,450. 25 HUD-approved counseling agencies serve Oregon; 18 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $272,400
  • $272,400–$367,400
  • $367,400–$416,400
  • $416,400–$468,300
  • $468,300 or more

Tap the map to see each county’s figure and open its page.

Typical home value
$477,600
44% more than the U.S.
U.S.: $332,700
Typical rent per month
$1,525
8% more than the U.S.
U.S.: $1,413
Typical household income
$83,011
3% more than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287 to $762,450
It changes by county. The highest: Hood River County.
U.S.: $541,287 to $1,299,500
Property tax
0.81%
of value a year
The typical bill is $3,876 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Oregon

A typical home in Oregon is worth $477,600, 44% more than in the country overall. Across its 36 counties, the typical value runs from $189,300 in Gilliam County to $660,000 in Hood River County. A typical household earns $83,011 a year and pays $1,525 a month in rent; 52% of renters put 30% or more of their income toward housing. 63% of households live in a home they own; they pay a typical property tax of $3,876 a year, about 0.81% of value.

The conforming loan limit for a one-unit home is $832,750 across Oregon. To pay HUD’s fair rent for a 2-bedroom apartment in Oregon ($1,691) without spending more than 30% of income, you need about $32.52 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Oregon

More on property tax

  • 3 percent cap on maximum assessed value (Measure 50)

    Your property's maximum assessed value rises at most 3 percent a year over the prior assessed value. You are taxed on the lesser of that maximum and the real market value.

    Oregon Legislature (Oregon Revised Statutes) · Verified October 23, 2026

  • Property tax deferral for senior and disabled homeowners (apply by April 15)

    If you are a qualifying senior or disabled homeowner, you can borrow from the State of Oregon to pay your property taxes: the Department of Revenue pays the county on November 15 each year. For 2026, the household income limit is $70,000. Deferred amounts accrue 6 percent interest a year (not compounded) and a lien is placed on the property. You apply with the county assessor by April 15, or late from April 16 to December 1 with a fee.

    Oregon Department of Revenue · Verified October 31, 2026

  • Disabled veteran or surviving spouse exemption (claim by April 1)

    A disabled veteran, or a veteran's surviving spouse or registered domestic partner, may exempt $27,092 or $32,512 of the home's assessed value (January 2026 amounts; they rise 3 percent a year). Generally a certified disability of 40 percent or more is required. The publication says that to qualify the veteran must be a U.S. citizen discharged under honorable conditions, and you must own and live in the home. The claim goes to the county assessor by April 1 before the tax year.

    Oregon Department of Revenue (Publication 150-310-676, January 2026) · Verified October 31, 2026

  • Appealing the value to the county board (PVAB): by December 31

    In most cases you appeal your property value by filing a petition with the Property Value Appeals Board (PVAB) clerks in the county where the property is. You do it after you receive your tax statement and before December 31 (or the next business day). If you disagree with the decision, you can go to the Magistrate Division of the Oregon Tax Court within 30 days.

    Oregon Department of Revenue · Verified October 31, 2026

  • The constitution bars real estate transfer taxes

    Neither the state nor cities or counties may charge a tax or fee on transferring property, except those already in effect on December 31, 2009 (in practice, Washington County's tax). There is no state transfer tax when you buy a home in Oregon.

    Oregon Legislature (Oregon Constitution) · Verified October 23, 2026

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

In Oregon, 6 in 10 homes are single-family detached houses, about the same as in the U.S..

Year built

In Oregon, half of the homes were built before 1981; in the U.S., before 1980.

Much as in the U.S., 60% of homes in Oregon have 3 bedrooms or more.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The most common value range in Oregon is between $300K and $500K: that is where 35% of owner-occupied homes sit.

Monthly rent with utilities

The most common rent in Oregon is between $1,000 and $1,499 a month: that is where 30% of rented homes sit.

With a mortgage

$2,157 a month

United States: $1,963 a month

Without a mortgage

$684 a month

United States: $638 a month

Owners with a mortgage

65%

United States: 61%

In Oregon, 65% of owners have a mortgage, and their typical cost is $2,157 a month, against $1,963 in the U.S.. Without one it drops to $684.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Much as in the U.S., the typical home value in Oregon rose 53% since 2015–2019.

The typical rent in Oregon rose 37% over the same time; in the U.S., it rose 33%.

Here income did not keep up with housing: it rose 32%, while home values changed +53% and rent +37%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureOregonUnited States
Rental vacancy 4.2%5.5%
Homeowner vacancy 0.7%0.9%
More than one person per room 3.2%3.4%
People per household 2.422.53
Drive alone 65%69%
Carpool 9%9%
Public transit 2%3%
Walk or bike 5%3%
Work from home 19%15%
Other means 1%2%
Typical commute 20 to 29 minutes20 to 29 minutes

There is little rental housing open in Oregon: only 4.2% is empty and offered for rent, against 5.5% in the U.S..

In Oregon, 3.2% of households live with more than one person per room, about the same as in the U.S..

A household in Oregon has 2.42 people on average, about the same as in the U.S. (2.53).

Working from home is more common in Oregon: 19%, against 15% in the U.S..

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in Oregon

Sort by any column or type a name. The 25 most populous are shown; the button reveals the rest.

See the counties page

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Oregon

Start from the typical home value in Oregon, $477,600, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Oregon

$
%

Estimated monthly payment

$3,909

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Oregon rose 86% in the 10 years through 2025.

Price change each year

Period Oregon United States
In 2025 +0.9% +2.9%
5 years (2020–2025) +35% +47%
10 years (2015–2025) +86% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Oregon were 3% higher than the U.S. average. Housing rents were 8% higher than nationwide.

Category Oregon United States Versus the U.S.
All prices Consumer goods and services 103.4 100.0 3% more
Housing rents What renters pay 108.6 100.6 8% more
Water, power and gas Water, sewer, electricity and gas 107.0 98.4 9% more
Goods Food, clothing, transportation and more 105.3 99.6 6% more
Other services Services other than rent 100.3 100.1 about the same

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Oregon 2.8% of homes (41,676) are in a high-risk flood zone. Of those homes, 25% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Oregon United States
Homes in a high-risk zone 2.8% 3.5%
Of those, with NFIP insurance 25% 48%
All homes with NFIP insurance 1.1% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Oregon

The 16 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (89)

    Help to buy

    Assistance programs in Oregon

    Our list has 3 official programs that help you buy in Oregon. Each card says what kind of help it gives and when we checked its official page.

    See all 3 programs
    1. OHCS Down Payment Assistance

      Oregon state funds for the down payment and closing costs, delivered by local organizations: up to $60,000 or 20% of the price, sometimes as a grant or as a forgivable second mortgage, for first-time or first-generation buyers with income up to 100% of the area median. Offered by Oregon Housing and Community Services (OHCS).

      GrantForgivable Verified November 5, 2026

    2. FirstHome (Flex Lending)

      Oregon Housing and Community Services mortgage for low- and moderate-income first-time buyers, with down payment assistance of 4% or 5% of the loan as a second mortgage. Offered by Oregon Housing and Community Services (OHCS).

      Type not stated Verified November 5, 2026

    3. NextStep (Flex Lending)

      Oregon Housing and Community Services mortgage for any buyer, including people who have owned a home before, with down payment assistance of 4% or 5% of the loan as a second mortgage that can be forgivable or repayable. Offered by Oregon Housing and Community Services (OHCS).

      Type not stated Verified November 5, 2026

    Tenant rights

    Tenant rights in Oregon

    Oregon law answers 5 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      Oregon law sets no maximum for the security deposit. ORS 90.300 lets the landlord require a deposit, requires a receipt and governs how it is held and returned, but caps no amount.

      ORS 90.300(2)(a)

    2. When must they return my deposit?

      The landlord must return the deposit (or the part not claimed, with a written accounting of deductions) no later than 31 days after the tenancy ends and you deliver possession.

      ORS 90.300(13)

    3. If I fall behind on rent, what notice must I get?

      If you do not pay rent, the landlord may end the agreement with at least 10 days' written notice (given no sooner than the eighth day of the rental period) or at least 13 days' notice (no sooner than the fifth day). The notice must state the amount due and the deadline to pay and cure.

      ORS 90.394(2)

    4. How much notice ends a month-to-month rental?

      In a month-to-month tenancy you may end it with at least 30 days' written notice. The landlord may end it without cause on 30 days' notice only during your first year of occupancy; after the first year, the landlord needs a tenant cause or a qualifying landlord reason, with the notice the law sets.

      ORS 90.427(3)

    5. Are there limits on late fees?

      A landlord may charge a late fee only if a written rental agreement provides for it and rent is not received by the fourth day of the period. The charge must be a reasonable flat amount (the customary one in that market), a reasonable daily amount from the fifth day (at most 6 percent of the flat amount per day) or 5 percent of the rent per 5-day period late, within that rental period only.

      ORS 90.260(1)-(2)

    A family roasts marshmallows over a campfire at a forest campsite.

    Help and advice

    Who can help you in Oregon?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    25 HUD-approved counseling agencies serve Oregon; 18 say they serve you in Spanish. Choose your county to see the closest ones with their phone number.

    23 public housing authorities run Section 8 vouchers and public housing in Oregon.

    See all 25 agencies See the housing agencies

    Who runs the help in Oregon

    • Oregon Housing and Community Services (OHCS)

      Oregon Housing and Community Services (OHCS) runs Flex Lending, with two first mortgages (FirstHome and NextStep) that can be paired with its down payment assistance (DPA). That assistance can cover up to 100 percent of the cash you need to close, including the down payment and closing costs. If you have not owned a primary residence in the past three years, you must take a homebuyer education class.

      The agency's official page · Verified October 31, 2026

    Where to file a complaint in Oregon

    • Oregon Bureau of Labor and Industries (BOLI) and the protections state law adds

      Oregon law bars treating you differently in housing because of race, color, religion, sex, national origin, whether you have kids or disability, and also source of income, being a domestic violence survivor, marital status, sexual orientation and gender identity. If you believe you face discrimination looking for a home or financing, you can file a complaint with the Bureau of Labor and Industries (BOLI). It is free and you do not need a lawyer.

      Oregon Bureau of Labor and Industries (BOLI) · Verified October 31, 2026

    • Insurance complaints to the Oregon Division of Financial Regulation

      If you have problems with a company or individual in the insurance industry, fill out a complaint form so the Division of Financial Regulation (DFR) can look into it. They are not attorneys and cannot represent you, but they can determine whether the company or agent is following Oregon law. There are Spanish forms, and for insurance help you can call toll-free 888-877-4894.

      Oregon Division of Financial Regulation (DFR) · Verified October 31, 2026

    • Oregon FAIR Plan Association

      Oregon law created the Oregon FAIR Plan Association so essential property insurance is available to owners of insurable property, and to spread among insurers the responsibility for insuring property that cannot get that insurance in the normal market.

      Oregon Legislature (Oregon Revised Statutes) · Verified October 31, 2026

    Guides

    Guides for you in Oregon

    We picked them with the numbers of Oregon. Each one says why it can help you.

    Frequently asked questions about housing in Oregon

    What is the FHA limit in Oregon in 2026?

    In Oregon, the FHA limit for a one-unit home runs from $541,287 to $762,450. The highest is in Hood River County.

    How much does a typical home cost in Oregon?

    The typical home value in Oregon is $477,600 (Average 2020–2024, U.S. Census). The highest is in Hood River County ($660,000) and the lowest in Gilliam County ($189,300).

    How much does it cost to rent in Oregon?

    The typical rent in Oregon is $1,525 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Oregon?

    At HUD's average fair market rent in Oregon ($1,691, Fiscal year 2027), about $32.52 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Oregon?

    The typical property tax in Oregon is $3,876 a year, about 0.81% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Oregon?

    There are 25 HUD-approved counseling agencies in Oregon; 18 say they serve you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).