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City · 10,109 residents · Clatsop County, Oregon

Astoria , Oregon

In Astoria, a typical home is worth $444,800 and typical rent is $1,239 a month. Compared with all of Clatsop County, typical household income is 5% lower, the typical home value is 5% lower, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $444,800

    5% below the county

    7% below Oregon

    • Astoria
    • Clatsop
    • Oregon

  • Typical rent

    $1,239a month

    5% above the county

    19% below Oregon

    • Astoria
    • Clatsop
    • Oregon

  • Typical household income

    $68,007a year

    5% below the county

    18% below Oregon

    • Astoria
    • Clatsop
    • Oregon

  • Households that own their home

    54%

    10 points below the county

    10 points below Oregon

    • Astoria
    • Clatsop
    • Oregon

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$484,643
0.9% more than 12 months ago
Typical rent
$1,648 a month
2.3% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Astoria is in Clatsop County. The FHA loan limit ($563,500 for a one-unit home), the fair market rents and the help on this page are those of all of Clatsop County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Astoria apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Tillamook, the typical home value is $298,800: 33% less than in Astoria ($444,800).

  2. 54% of households in Astoria own their home, against 63% in Clatsop County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Astoria

What homes there are in Astoria, 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 Astoria, 6 in 10 homes are single-family detached houses; in Clatsop County, 7.

Year built

In Astoria, half of the homes were built before 1948; in Clatsop County, before 1975.

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
Monthly rent with utilities

With a mortgage

$1,896 a month

Clatsop County: $1,988 a month

Without a mortgage

$698 a month

Clatsop County: $636 a month

Owners with a mortgage

68%

Clatsop County: 61%

Owning costs about the same in Astoria as in Clatsop County: with a mortgage, $1,896 a month; without one, $698.

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

From 2015–2019 to 2020–2024, the typical home value in Astoria rose 71%; in Clatsop County, it rose 65%.

The typical rent in Astoria rose 37% over the same time; in Clatsop County, it rose 27%.

To compare: typical income in Astoria rose 39%; the home, +71%; the 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

MeasureAstoriaClatsop CountyOregonUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate2.1%3.2%3.4%
People per household 2.212.262.422.53
Drive alone 63%70%65%69%
Carpool 7%10%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike 5%6%5%3%
Work from home 22%14%19%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

A household in Astoria has 2.21 people on average, about the same as in Clatsop County (2.26).

In Astoria, 22% of workers work from home, more than in Clatsop County (14%).

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

Do the math

What would you pay each month for a home in Astoria?

A typical home costs more than the typical income allows

We start with a typical home in Astoria, worth $444,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 64% of the typical household income in Astoria, which is $68,007 a year. For that payment to be 28% of income, a household would need to earn about $155,723 a year.

The calculator's FHA and conventional loan limits are those of all of Clatsop County.

Your numbers

Local data
$

Starts at the typical home value in Astoria. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $15,568 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,634

at 7.18% · 30 years

Loan amount
$436,744
Total interest
$628,372
Paid off in
November 2056

Includes $7,512 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,587 a month

  • Tight

    $1,587 to $2,040 a month

  • Hard

    more than $2,040 a month

    Your payment · 64%

Compared with the typical household income in Astoria ($68,007 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,634
Principal & interest$2,959
Property tax$293
Home insurance$185
FHA mortgage insurance (MIP)$197

You need at least $15,568 for the down payment, plus closing costs.

Next step

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.

The city and its county

Astoria and Clatsop County

Astoria is in Clatsop 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).

Astoria's own numbers

Typical home value
$444,800
Typical monthly rent
$1,239
Typical yearly household income
$68,007
Households that own their home
54%
Effective property tax rate
0.79%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Clatsop County

FHA limit, one-unit home
$563,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,318
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
7.6%

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 Clatsop County.

Everything about Clatsop County

Buying

Buying a home in Astoria

A typical home in Astoria is worth $444,800: 5% below the county and 7% below Oregon. With the typical household income in Astoria ($68,007 a year), a typical home costs 6.5 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.

  • Astoria 6.5 years
  • Clatsop 6.5 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Clatsop County

According to FHFA’s house price index, home prices in Clatsop County rose 116% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Clatsop County.

Period County Oregon U.S.
Last year (2025) +2.8% +0.9% +2.9%
5 years (2020–2025) +52% +35% +47%
10 years (2015–2025) +116% +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

Astoria next to Clatsop 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
  • Astoria $444,800
  • Clatsop $468,300
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Astoria $1,239
  • Clatsop $1,180
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Astoria $68,007
  • Clatsop $71,822
  • Oregon $83,011
  • United States $80,734
See the full table
Astoria next to Clatsop County and Oregon
Measure Astoria Clatsop County Oregon U.S.
Typical home value $444,800 $468,300 $477,600 $332,700
Typical monthly rent $1,239 $1,180 $1,525 $1,413
Typical yearly household income $68,007 $71,822 $83,011 $80,734
Households that own their home 54% 63% 63% 65%
Typical yearly property tax $3,524 $3,236 $3,876 $3,119
Effective property tax rate 0.79% 0.69% 0.81% 0.94%
Renters with high rent for their income 55% 51% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Clatsop 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 Astoria

For a typical $444,800 home in Astoria, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Astoria's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,634a month

    Least cash to close
    Down payment
    $15,568
    Cash to close
    $28,912
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $197

  • Conventional, 5% down $3,552a month

    Down payment
    $22,240
    Cash to close
    $35,584
    Rate
    7.18%
    Mortgage insurance
    PMI · $211

  • Conventional, 20% down, no PMI $2,889a month

    Down payment
    $88,960
    Cash to close
    $102,304
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,300a month

    Down payment
    $66,720
    Cash to close
    $80,064
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Astoria and for Clatsop County.

Property tax

Effective rate in Astoria

0.79%of the home’s value each year

$3,524 a year for the typical owner in Astoria.

  • Astoria 0.79%
  • Clatsop 0.69%
  • Oregon 0.81%

What Oregon publishes 3 percent cap on maximum assessed value (Measure 50) (Oregon Legislature (Oregon Revised Statutes))

Exemptions and deadlines in Oregon

Flood risk in Clatsop County

FEMA does not publish these numbers by city: they are for all of Clatsop County.

Homes in the high-risk zone
7.6%
1,586
Of those, with NFIP insurance
19%
County Oregon U.S.
Homes in the high-risk zone 7.6% 2.8% 3.5%
Of those, with NFIP insurance 19% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Astoria

Typical rent in Astoria is $1,239 a month: 5% above the county. In Astoria, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Clatsop County, by unit size. To pay the 2-bedroom one ($1,318 a month) without spending more than 30% of your income, you would need to earn $25.35 an hour working full time.

HUD fair market rent for all of Clatsop County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $969 $18.63 $38,760
1 bedroom $1,008 $19.38 $40,320
2 bedrooms $1,318 $25.35 $52,720
3 bedrooms $1,825 $35.10 $73,000
4 bedrooms $2,203 $42.37 $88,120

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 Astoria

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Astoria is in ZIP code 97103.

For 2 bedrooms it is $1,390: $72 more than the fair market rent for Clatsop County ($1,318).

  • 97103 $1,390$1,920

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Astoria 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Astoria

HUD lists 4 buildings with rents for lower incomes in Astoria. These are the largest.

  • Owens-Adair Building 1508 Exchange St, Astoria 97103 46 low-income homes · For older adults (503) 325-4785
  • Astoria Gateway Senior Residential 2775 Steam Whistle Way, Astoria 97103 41 homes, 40 low-income · 1 bd: 38 · 2 bd: 3 · In service since 2006 · For older adults
  • Astoria Gateway II 2850 Marine Dr, Astoria 97103 33 low-income homes · Studio: 1 · 1 bd: 17 · 2 bd: 15 · In service since 2011 · For families
  • Meriwether Village 101A Madison Ave, Astoria 97103 32 low-income homes · For older adults (503) 325-3072

See all 12 buildings in Clatsop County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Astoria

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.

We found no HUD-approved agencies with an office in Clatsop County. The nearest ones are below; many serve by phone or online.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Astoria

No down payment, repair or rent-help program on our list is for Astoria or Clatsop County. The ones below are statewide in Oregon: they work in Astoria the same as in the rest of the state.

Which programs do I qualify for? All programs in Oregon

  • OHCS Down Payment Assistance

    Statewide in Oregon

    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

    See the program Official page

  • FirstHome (Flex Lending)

    Statewide in Oregon

    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

    See the program Official page

  • NextStep (Flex Lending)

    Statewide in Oregon

    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

    See the program Official page

Housing counselors near Astoria

The HUD-approved agencies closest to the center of Astoria, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • OPEN DOOR COUNSELING CENTER DBA Open Door Housingworks

    34420 SW Tualatin Valley Hwy, Hillsboro · 60 miles away · Spanish

    Also serves in Polish, Russian, and Ukrainian.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (503) 748-0407

  • Bienestar

    448 S 1st Ave Ste 100, Hillsboro · 61 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (503) 693-2937

  • Portland Community Reinvestment Initiatives, Inc

    6329 NE Mlk Jr Blvd, Portland · 70 miles away · Spanish

    Also serves in French, other languages, Russian, and Swahili.

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (503) 288-2923

All counseling agencies in Oregon

Help in Spanish near Astoria

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Astoria

In HUD’s record, no housing authority with an office in Clatsop County is named for Astoria or Clatsop County.

One other authority has an office in Clatsop County: see the list Source: HUD

Cities

Other cities in Clatsop County

These cities are also in Clatsop County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Clatsop County Housing in Oregon

Nearby cities

The cities closest to Astoria, with the typical home value.

Neighboring counties

If Clatsop County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Astoria.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Astoria

Short answers with the numbers for Astoria and all of Clatsop 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 Astoria?

The typical home value in Astoria is $444,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clatsop County it is $468,300.

How much does it cost to rent in Astoria?

Typical rent in Astoria is $1,239 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clatsop County is $1,318.

What is the FHA loan limit in Astoria?

Astoria uses the FHA limit for all of Clatsop County (2026): $563,500 for a one-unit home and $1,083,650 for a four-unit home.

How much property tax do owners pay in Astoria?

The typical homeowner in Astoria pays $3,524 a year, according to the U.S. Census Bureau. That is 0.79% of the home’s value; in Clatsop County, the rate is 0.69%.

Where can I find free help to buy or rent in Astoria?

We found no HUD-approved counseling agencies with an office in Clatsop County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).