In Ashland, a typical home is worth $583,800 and typical rent is $1,387 a month. Compared with all of Jackson County, the typical home value is 36% higher, typical household income is 8% lower, and the share of households that own their home is 14 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $525,824 to $542,434.
Typical rent
$2,181a month
▲ 4.1% more than 12 months ago
Typical rent from Zillow, March 2022 to September 2026: from $1,865 to $2,181.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Ashland is in Jackson 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 Jackson County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in White City, the typical home value is $302,400: 48% less than in Ashland ($583,800).
2
The typical home in Ashland is worth $583,800,36% more than in Jackson County as a whole ($430,200).
3
52% of households in Ashland own their home, against 66% in Jackson County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Ashland
What homes there are in Ashland, 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
Ashland
Jackson County
Oregon
United States
Kind of home: Ashland and its comparisons
Measure
Ashland
Jackson County
Oregon
United States
Detached house
58%
65%
63%
61%
Attached house
13%
6%
5%
6%
Building of 2 to 4
9%
8%
7%
8%
Apartments (5 or more)
18%
11%
18%
19%
Mobile home
Unreliable estimate
10%
7%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
Detached houses are the majority in Ashland (58%), but less so than in Jackson County (65%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Ashland
Jackson County
Oregon
United States
Year built: Ashland and its comparisons
Measure
Ashland
Jackson County
Oregon
United States
Before 1960
25%
18%
23%
26%
1960–1979
26%
27%
26%
24%
1980–1999
28%
27%
25%
25%
2000–2009
10%
17%
14%
14%
2010 or later
11%
11%
12%
11%
Homes in Ashland are older: the typical year built is 1979; in Jackson County, 1985.
Homes in Ashland are smaller: 47% have 3 bedrooms or more; in Jackson County, 61%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K26%
$500K–$750K45%
$750K–$1M15%
$1M or more5%
Value of owner-occupied homes: Ashland and its comparisons
Measure
Ashland
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
26%
$500K–$750K
45%
$750K–$1M
15%
$1M or more
5%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99917%
$1,000–$1,49937%
$1,500–$1,99924%
$2,000–$2,49911%
$2,500–$2,9994%
$3,000 or moreUnreliable
Monthly rent with utilities: Ashland and its comparisons
Measure
Ashland
Under $500
Unreliable estimate
$500–$999
17%
$1,000–$1,499
37%
$1,500–$1,999
24%
$2,000–$2,499
11%
$2,500–$2,999
4%
$3,000 or more
Unreliable estimate
With a mortgage
$2,528 a month
Jackson County: $1,935 a month
Without a mortgage
$776 a month
Jackson County: $624 a month
Owners with a mortgage
49%
Jackson County: 61%
In Ashland, 49% of owners have a mortgage, and their typical cost is $2,528 a month, against $1,935 in Jackson County. Without one it drops to $776.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Ashland+32%
Jackson County+54%
Oregon+53%
United States+53%
Typical rent
Ashland+28%
Jackson County+37%
Oregon+37%
United States+33%
Typical household income
Ashland+21%
Jackson County+39%
Oregon+32%
United States+29%
Change since 2015–2019: Ashland and its comparisons
Measure
Ashland
Jackson County
Oregon
United States
Typical home value
+32%
+54%
+53%
+53%
Typical rent
+28%
+37%
+37%
+33%
Typical household income
+21%
+39%
+32%
+29%
The typical home value in Ashland rose 32% since 2015–2019, less than in Jackson County (54%).
Since 2015–2019, the typical rent in Ashland rose 28%, less than in Jackson County (37%).
The typical household income in Ashland rose 21%: less than home values (+32%) and rent (+28%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Ashland and its comparisons
Measure
Ashland
Jackson County
Oregon
United States
Rental vacancy
Unreliable estimate
4.1%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.7%
0.9%
More than one person per room
Unreliable estimate
3.0%
3.2%
3.4%
People per household
1.91
2.37
2.42
2.53
Drive alone
58%
72%
65%
69%
Carpool
5%
9%
9%
9%
Public transit
Unreliable estimate
1%
2%
3%
Walk or bike
15%
4%
5%
3%
Work from home
21%
13%
19%
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
On average, a household in Ashland has 1.91 people, fewer than in Jackson County (2.37).
In Ashland, 15% of workers walk or bike to work; in Jackson County, 4%.
Do the math
What would you pay each month for a home in Ashland?
A typical home costs more than the typical income allows
We start with a typical home in Ashland, worth $583,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 85% of the typical household income in Ashland, which is $68,028 a year. For that payment to be 28% of income, a household would need to earn about $206,680 a year. Note: at that price the loan is above the FHA limit for Jackson County ($541,287), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of Jackson 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 Ashland. 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 $20,433 (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
$4,823
at 7.18% · 30 years
Loan amount
$573,226
Total interest
$824,738
Paid off in
November 2056
Includes $9,859 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,587 a month
Tight
$1,587 to $2,041 a month
Hard
more than $2,041 a month
Your payment · 85%
Compared with the typical household income in Ashland ($68,028 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,883
Property tax
$438
Home insurance
$243
FHA mortgage insurance (MIP)
$258
This loan is over the FHA limit
You'd borrow $563,367, but the FHA limit for a one-unit home in Ashland is $541,287. You'd need a bigger down payment or a different loan.
You need at least $20,433 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 $4,823; principal and interest $3,883.
The city and its county
Ashland and Jackson County
Ashland is in Jackson County, Oregon. 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).
Ashland
Map of Jackson County, Oregon, with Ashland marked. Around it, the neighboring counties.
Ashland
Jackson County
Other cities with a page
Ashland's own numbers
Typical home value
$583,800
Typical monthly rent
$1,387
Typical yearly household income
$68,028
Households that own their home
52%
Effective property tax rate
0.9%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Jackson County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,539
Price change over 5 years (FHFA)
+32%
Homes in a high flood-risk zone
3.1%
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 Jackson County.
A typical home in Ashland is worth $583,800: 36% above the county and 22% above Oregon. With the typical household income in Ashland ($68,028 a year), a typical home costs 8.6 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.
Ashland8.6 years
Jackson5.8 years
Oregon5.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Jackson County
According to FHFA’s house price index, home prices in Jackson County rose 79% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Jackson County.
Yearly change in FHFA’s price index in Jackson County, 2016 to 2025
2016: +8.4% +8.4% 2016
2017: +8.2% +8.2% 2017
2018: +6.9% +6.9% 2018
2019: +4.5% +4.5% 2019
2020: +3.4% +3.4% 2020
2021: +15.0% +15.0% 2021
2022: +11.7% +11.7% 2022
2023: −1.7% −1.7% 2023
2024: +3.6% +3.6% 2024
2025: +1.1% +1.1% 2025
Change in FHFA’s price index in Jackson County, Oregon and the United States
Period
County
Oregon
U.S.
Last year (2025)
+1.1%
+0.9%
+2.9%
5 years (2020–2025)
+32%
+35%
+47%
10 years (2015–2025)
+79%
+86%
+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
Ashland next to Jackson County, Oregon and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Ashland$583,800
Jackson$430,200
Oregon$477,600
United States$332,700
Typical monthly rent
Ashland$1,387
Jackson$1,358
Oregon$1,525
United States$1,413
Typical yearly household income
Ashland$68,028
Jackson$73,999
Oregon$83,011
United States$80,734
See the full table
Ashland next to Jackson County and Oregon
Measure
Ashland
Jackson County
Oregon
U.S.
Typical home value
$583,800 ▲36% above the county
$430,200
$477,600
$332,700
Typical monthly rent
$1,387 ▲2% above the county
$1,358
$1,525
$1,413
Typical yearly household income
$68,028 ▼8% below the county
$73,999
$83,011
$80,734
Households that own their home
52% ▼14 points below the county
66%
63%
65%
Typical yearly property tax
$5,274 ▲66% above the county
$3,174
$3,876
$3,119
Effective property tax rate
0.9% ▲0.16 points above the county
0.74%
0.81%
0.94%
Renters with high rent for their income
59% ▲3 points above the county
56%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Jackson 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 Ashland
For a typical $583,800 home in Ashland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ashland's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,823a month
Above the FHA limit for Jackson County ($541,287)
Down payment
$20,433
Cash to close
$37,947
Rate
7.18%
Mortgage insurance
FHA MIP · $258
Conventional, 5% down$4,716a month
Least cash to close
Down payment
$29,190
Cash to close
$46,704
Rate
7.18%
Mortgage insurance
PMI · $277
Conventional, 20% down, no PMI$3,845a month
Down payment
$116,760
Cash to close
$134,274
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,385a month
Down payment
$87,570
Cash to close
$105,084
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Ashland
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Jackson County ($541,287)
$4,823
$20,433
$573,226
7.18%
FHA MIP · $258
$37,947
580
Conventional, 5% down Least cash to close
$4,716
$29,190
$554,610
7.18%
PMI · $277
$46,704
620*
Conventional, 20% down, no PMI
$3,845
$116,760
$467,040
7.18%
None
$134,274
620*
ITIN, 15% down (example)
$4,385
$87,570
$496,230
8.18%
None
$105,084
Set by the lender
The option that asks for the least cash to close is Conventional, 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 Ashland is $1,387 a month: 2% above the county. In Ashland, 59% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Jackson County, by unit size. To pay the 2-bedroom one ($1,539 a month) without spending more than 30% of your income, you would need to earn $29.60 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 Jackson County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,076
$20.69
$43,040
1 bedroom
$1,243
$23.90
$49,720
2 bedrooms
$1,539
$29.60
$61,560
3 bedrooms
$2,131
$40.98
$85,240
4 bedrooms
$2,543
$48.90
$101,720
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 Ashland
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ashland is in ZIP code 97520.
For 2 bedrooms it is $1,610: $71 more than the fair market rent for Jackson County ($1,539).
Fair market rent by ZIP code and size in Ashland, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
97520
$1,130
$1,300
$1,610
$2,230
$2,660
ZIP code2 bd3 bd
97520 $1,610$2,230
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ashland 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 2 HUD-approved agencies with an office in Jackson County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Ashland or Jackson County. The ones below are statewide in Oregon: they work in Ashland the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Ashland or Jackson 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 Ashland and all of Jackson 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 Ashland?
The typical home value in Ashland is $583,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jackson County it is $430,200.
How much does it cost to rent in Ashland?
Typical rent in Ashland is $1,387 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jackson County is $1,539.
What is the FHA loan limit in Ashland?
Ashland uses the FHA limit for all of Jackson 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 Ashland?
The typical homeowner in Ashland pays $5,274 a year, according to the U.S. Census Bureau. That is 0.9% of the home’s value; in Jackson County, the rate is 0.74%.
Where can I find free help to buy or rent in Ashland?
There are 2 HUD-approved counseling agencies with an office in Jackson County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
