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City · 6,703 residents · Curry County, Oregon

Brookings , Oregon

In Brookings, a typical home is worth $446,700 and typical rent is $1,415 a month. Compared with all of Curry County, typical household income is 20% higher, the typical home value is 17% higher, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $446,700

    17% above the county

    6% below Oregon

    • Brookings
    • Curry
    • Oregon

  • Typical rent

    $1,415a month

    14% above the county

    7% below Oregon

    • Brookings
    • Curry
    • Oregon

  • Typical household income

    $74,933a year

    20% above the county

    10% below Oregon

    • Brookings
    • Curry
    • Oregon

  • Households that own their home

    60%

    14 points below the county

    3 points below Oregon

    • Brookings
    • Curry
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$477,655
0.8% less than 12 months ago

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

Brookings is in Curry 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 Curry County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Brookings apart

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: 32% less than in Brookings ($446,700).

  2. 60% of households in Brookings own their home, against 74% in Curry County.

  3. The typical household income in Brookings is $74,933, 20% more than in Curry County as a whole ($62,244).

  4. The typical home in Brookings is worth $446,700, 17% more than in Curry County as a whole ($381,300).

  5. Brookings has the 8th smallest share of rent-burdened renters of the 93 cities in Oregon with more than 5,000 people (41%).

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

The homes here

Housing in Brookings

What homes there are in Brookings, 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 Brookings, 6 in 10 homes are single-family detached houses; in Curry County, 6.

Year built

Homes in Brookings are newer: the typical year built is 1988; in Curry County, 1982.

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

$2,144 a month

Curry County: $1,820 a month

Without a mortgage

$584 a month

Curry County: $492 a month

Owners with a mortgage

58%

Curry County: 45%

In Brookings, 58% of owners have a mortgage, and their typical cost is $2,144 a month, against $1,820 in Curry County. Without one it drops to $584.

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 Curry County, the typical home value in Brookings rose 47% since 2015–2019.

Since 2015–2019, the typical rent in Brookings rose 44%, more than in Curry County (40%).

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

MeasureBrookingsCurry 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 estimate2.8%3.2%3.4%
People per household 2.192.072.422.53
Drive alone 71%70%65%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimateUnreliable estimate5%3%
Work from home 13%17%19%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.19 on average, against 2.07 in Curry County.

The car rules in Brookings: 71% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Brookings?

A typical home costs more than the typical income allows

We start with a typical home in Brookings, worth $446,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 57% of the typical household income in Brookings, which is $74,933 a year. For that payment to be 28% of income, a household would need to earn about $153,038 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Brookings. 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 $15,635 (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

$3,571

at 7.18% · 30 years

Loan amount
$438,609
Total interest
$631,055
Paid off in
November 2056

Includes $7,544 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,748 a month

  • Tight

    $1,748 to $2,248 a month

  • Hard

    more than $2,248 a month

    Your payment · 57%

Compared with the typical household income in Brookings ($74,933 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,571
Principal & interest$2,971
Property tax$216
Home insurance$186
FHA mortgage insurance (MIP)$198

You need at least $15,635 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

Brookings and Curry County

Brookings is in Curry 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).

Brookings's own numbers

Typical home value
$446,700
Typical monthly rent
$1,415
Typical yearly household income
$74,933
Households that own their home
60%
Effective property tax rate
0.58%

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

Numbers for all of Curry County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,379
Price change over 5 years (FHFA)
+42%
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 Curry County.

Everything about Curry County

Buying

Buying a home in Brookings

A typical home in Brookings is worth $446,700: 17% above the county and 6% below Oregon. With the typical household income in Brookings ($74,933 a year), a typical home costs 6.0 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.

  • Brookings 6.0 years
  • Curry 6.1 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Curry County

According to FHFA’s house price index, home prices in Curry County rose 99% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) +0.3% +0.9% +2.9%
5 years (2020–2025) +42% +35% +47%
10 years (2015–2025) +99% +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

Brookings next to Curry 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
  • Brookings $446,700
  • Curry $381,300
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Brookings $1,415
  • Curry $1,241
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Brookings $74,933
  • Curry $62,244
  • Oregon $83,011
  • United States $80,734
See the full table
Brookings next to Curry County and Oregon
Measure Brookings Curry County Oregon U.S.
Typical home value $446,700 $381,300 $477,600 $332,700
Typical monthly rent $1,415 $1,241 $1,525 $1,413
Typical yearly household income $74,933 $62,244 $83,011 $80,734
Households that own their home 60% 74% 63% 65%
Typical yearly property tax $2,599 $1,841 $3,876 $3,119
Effective property tax rate 0.58% 0.48% 0.81% 0.94%
Renters with high rent for their income 41% 48% 52% 51%

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

For a typical $446,700 home in Brookings, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Brookings's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,571a month

    Least cash to close
    Down payment
    $15,635
    Cash to close
    $29,036
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $198

  • Conventional, 5% down $3,489a month

    Down payment
    $22,335
    Cash to close
    $35,736
    Rate
    7.18%
    Mortgage insurance
    PMI · $212

  • Conventional, 20% down, no PMI $2,823a month

    Down payment
    $89,340
    Cash to close
    $102,741
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,236a month

    Down payment
    $67,005
    Cash to close
    $80,406
    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 Brookings and for Curry County.

Property tax

Effective rate in Brookings

0.58%of the home’s value each year

$2,599 a year for the typical owner in Brookings.

  • Brookings 0.58%
  • Curry 0.48%
  • 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 Curry County

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

Homes in the high-risk zone
2.2%
281
Of those, with NFIP insurance
18%
County Oregon U.S.
Homes in the high-risk zone 2.2% 2.8% 3.5%
Of those, with NFIP insurance 18% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Brookings

Typical rent in Brookings is $1,415 a month: 14% above the county. In Brookings, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Curry County, by unit size. To pay the 2-bedroom one ($1,379 a month) without spending more than 30% of your income, you would need to earn $26.52 an hour working full time.

HUD fair market rent for all of Curry 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 $960 $18.46 $38,400
1 bedroom $1,054 $20.27 $42,160
2 bedrooms $1,379 $26.52 $55,160
3 bedrooms $1,765 $33.94 $70,600
4 bedrooms $1,999 $38.44 $79,960

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 Brookings

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Brookings is in ZIP code 97415.

For 2 bedrooms it is $1,410: $31 more than the fair market rent for Curry County ($1,379).

  • 97415 $1,410$1,800

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Brookings 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 Brookings

HUD lists 5 buildings with rents for lower incomes in Brookings. These are the largest.

  • Azalea Reach Apts 650 Old County Rd, Brookings 97415 40 low-income homes · 1 bd: 8 · 2 bd: 12 · 3 bd: 12 · 4 bd: 8 · In service since 1999 · For families
  • Ocean Winds Phase I 6577 Lucky Ln, Brookings 97415 40 homes, 39 low-income · 1 bd: 8 · 2 bd: 24 · 3 bd: 8 · In service since 2013 · For people with disabilities, families
  • Heron Ridge Apts 521 Fir St, Brookings 97415 36 low-income homes · 1 bd: 8 · 2 bd: 12 · 3 bd: 16 · In service since 2007 · For families
  • Jerstad Manor 96 Park Ave, Brookings 97415 24 low-income homes · For older adults (605) 362-3168
  • Pelican's Perch 1216 Moore St, Brookings 97415 24 low-income homes · 1 bd: 22 · 2 bd: 2 · In service since 2001 · For older adults

See all 7 buildings in Curry County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Brookings

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 Curry 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 Brookings

No down payment, repair or rent-help program on our list is for Brookings or Curry County. The ones below are statewide in Oregon: they work in Brookings 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 Brookings

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

  • CCCS of Southern Oregon

    820 Crater Lake Ave, Medford · 76 miles away

    • Reverse mortgage counseling
    (541) 779-2273

  • Access

    3630 Aviation Way, Medford · 77 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (541) 779-6691

  • Neighborworks Umpqua

    605 SE Kane St, Roseburg · 92 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (541) 673-4909

All counseling agencies in Oregon

Help in Spanish near Brookings

2 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 Brookings

HUD lists no housing authority with an office in Curry County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Oregon Source: HUD

Cities

Nearby cities

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

Everything about Curry County Housing in Oregon

Neighboring counties

If Curry 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 Brookings.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Brookings

Short answers with the numbers for Brookings and all of Curry 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 Brookings?

The typical home value in Brookings is $446,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Curry County it is $381,300.

How much does it cost to rent in Brookings?

Typical rent in Brookings is $1,415 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Curry County is $1,379.

What is the FHA loan limit in Brookings?

Brookings uses the FHA limit for all of Curry 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 Brookings?

The typical homeowner in Brookings pays $2,599 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Curry County, the rate is 0.48%.

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

We found no HUD-approved counseling agencies with an office in Curry 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).