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City · 8,388 residents · Washington County, Oregon

Cedar Hills , Oregon

In Cedar Hills, a typical home is worth $611,400 and typical rent is $1,706 a month. Compared with all of Washington County, typical rent is 8% lower and the share of households that own their home is 5 points higher.

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  • Typical home value

    $611,400

    4% above the county

    28% above Oregon

    • Cedar Hills
    • Washington
    • Oregon

  • Typical rent

    $1,706a month

    8% below the county

    12% above Oregon

    • Cedar Hills
    • Washington
    • Oregon

  • Typical household income

    $105,850a year

    About the same as the county

    28% above Oregon

    • Cedar Hills
    • Washington
    • Oregon

  • Households that own their home

    66%

    5 points above the county

    3 points above Oregon

    • Cedar Hills
    • Washington
    • Oregon

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

Cedar Hills is in Washington County. The FHA loan limit ($701,500 for a one-unit home), the fair market rents and the help on this page are those of all of Washington County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cedar Hills apart

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

  1. 66% of households in Cedar Hills own their home, against 61% in Washington County.

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

The homes here

Housing in Cedar Hills

What homes there are in Cedar Hills, 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 Cedar Hills, 7 in 10 homes are single-family detached houses; in Washington County, 6.

Year built

In Cedar Hills, half of the homes were built before 1965; in Washington County, before 1990.

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

$2,433 a month

Washington County: $2,475 a month

Without a mortgage

$741 a month

Washington County: $846 a month

Owners with a mortgage

68%

Washington County: 71%

In Cedar Hills, 68% of owners have a mortgage; their typical cost is $2,433 a month, about the same as in Washington County.

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

The typical home value in Cedar Hills rose 47% since 2015–2019, less than in Washington County (52%).

Since 2015–2019, the typical rent in Cedar Hills rose 41%, more than in Washington County (36%).

The typical household income in Cedar Hills rose 30%: less than home values (+47%) and rent (+41%).

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

MeasureCedar HillsWashington CountyOregonUnited States
Rental vacancy Unreliable estimate4.1%4.2%5.5%
Homeowner vacancy Unreliable estimate0.5%0.7%0.9%
More than one person per room Unreliable estimate3.4%3.2%3.4%
People per household 2.322.532.422.53
Drive alone 68%61%65%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimate3%2%3%
Walk or bike Unreliable estimate3%5%3%
Work from home 20%24%19%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.32 on average, against 2.53 in Washington County.

In Cedar Hills, 68% of workers drive alone to work; in Washington County, 61%.

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 Cedar Hills?

A typical home costs more than the typical income allows

We start with a typical home in Cedar Hills, worth $611,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Cedar Hills, which is $105,850 a year. For that payment to be 28% of income, a household would need to earn about $212,521 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Cedar Hills. 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 $21,399 (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

$4,959

at 7.18% · 30 years

Loan amount
$600,326
Total interest
$863,728
Paid off in
November 2056

Includes $10,325 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,470 a month

  • Tight

    $2,470 to $3,176 a month

  • Hard

    more than $3,176 a month

    Your payment · 56%

Compared with the typical household income in Cedar Hills ($105,850 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,959
Principal & interest$4,067
Property tax$367
Home insurance$255
FHA mortgage insurance (MIP)$270

You need at least $21,399 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

Cedar Hills and Washington County

Cedar Hills is in Washington 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).

Cedar Hills's own numbers

Typical home value
$611,400
Typical monthly rent
$1,706
Typical yearly household income
$105,850
Households that own their home
66%
Effective property tax rate
0.72%

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

Numbers for all of Washington County

FHA limit, one-unit home
$701,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,878
Price change over 5 years (FHFA)
+33%
Homes in a high flood-risk zone
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 Washington County.

Everything about Washington County

Buying

Buying a home in Cedar Hills

A typical home in Cedar Hills is worth $611,400: 4% above the county and 28% above Oregon. With the typical household income in Cedar Hills ($105,850 a year), a typical home costs 5.8 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.

  • Cedar Hills 5.8 years
  • Washington 5.5 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Washington County

According to FHFA’s house price index, home prices in Washington County rose 80% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) −0.5% +0.9% +2.9%
5 years (2020–2025) +33% +35% +47%
10 years (2015–2025) +80% +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

Cedar Hills next to Washington 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
  • Cedar Hills $611,400
  • Washington $588,000
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Cedar Hills $1,706
  • Washington $1,849
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Cedar Hills $105,850
  • Washington $107,772
  • Oregon $83,011
  • United States $80,734
See the full table
Cedar Hills next to Washington County and Oregon
Measure Cedar Hills Washington County Oregon U.S.
Typical home value $611,400 $588,000 $477,600 $332,700
Typical monthly rent $1,706 $1,849 $1,525 $1,413
Typical yearly household income $105,850 $107,772 $83,011 $80,734
Households that own their home 66% 61% 63% 65%
Typical yearly property tax $4,380 $4,929 $3,876 $3,119
Effective property tax rate 0.72% 0.84% 0.81% 0.94%

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

For a typical $611,400 home in Cedar Hills, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cedar Hills's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,959a month

    Least cash to close
    Down payment
    $21,399
    Cash to close
    $39,741
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $270

  • Conventional, 5% down $4,847a month

    Down payment
    $30,570
    Cash to close
    $48,912
    Rate
    7.18%
    Mortgage insurance
    PMI · $290

  • Conventional, 20% down, no PMI $3,935a month

    Down payment
    $122,280
    Cash to close
    $140,622
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,500a month

    Down payment
    $91,710
    Cash to close
    $110,052
    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 Cedar Hills and for Washington County.

Property tax

Effective rate in Cedar Hills

0.72%of the home’s value each year

$4,380 a year for the typical owner in Cedar Hills.

  • Cedar Hills 0.72%
  • Washington 0.84%
  • 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 Washington County

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

Homes in the high-risk zone
1%
1,766
Of those, with NFIP insurance
38%
County Oregon U.S.
Homes in the high-risk zone 1% 2.8% 3.5%
Of those, with NFIP insurance 38% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cedar Hills

Typical rent in Cedar Hills is $1,706 a month: 8% below the county.

HUD publishes a fair market rent for all of Washington County, by unit size. To pay the 2-bedroom one ($1,878 a month) without spending more than 30% of your income, you would need to earn $36.12 an hour working full time.

HUD fair market rent for all of Washington 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 $1,527 $29.37 $61,080
1 bedroom $1,633 $31.40 $65,320
2 bedrooms $1,878 $36.12 $75,120
3 bedrooms $2,550 $49.04 $102,000
4 bedrooms $3,069 $59.02 $122,760

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 Cedar Hills

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cedar Hills has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,860 in 97005 to $1,910 in 97225.

1 of the 2 is above the fair market rent for Washington County ($1,878).

  • 97005 $1,860$2,530
  • 97225 $1,910$2,590

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cedar Hills 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?

Free help

Help to buy or rent in Cedar Hills

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 Washington County; 2 say they serve in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Cedar Hills

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

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

  • Housing Options Provided for the Elderly

    5200 Meadows Rd Ste 150, Lake Oswego · 7 miles away

    • Reverse mortgage counseling
    (971) 207-7820

  • African American Alliance for Homeownership, Inc.

    825 NE 20th Ave Ste 100, Portland · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 2 more
    (503) 595-3517

  • Portland Community Reinvestment Initiatives, Inc

    6329 NE Mlk Jr Blvd, Portland · 8 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

Every agency in Washington County All counseling agencies in Oregon

Help in Spanish near Cedar Hills

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 Cedar Hills

HUD’s record names them for Cedar Hills or Washington County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of Washington County Public housing and Section 8 vouchers (503) 846-4794

All housing agencies in Oregon Source: HUD

Cities

Other cities in Washington County

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

Everything about Washington County Housing in Oregon
See 7 more cities in Washington County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Cedar Hills, with the typical home value.

Neighboring counties

If Washington 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 Cedar Hills.

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

Questions

Housing questions about Cedar Hills

Short answers with the numbers for Cedar Hills and all of Washington 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 Cedar Hills?

The typical home value in Cedar Hills is $611,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Washington County it is $588,000.

How much does it cost to rent in Cedar Hills?

Typical rent in Cedar Hills is $1,706 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Washington County is $1,878.

What is the FHA loan limit in Cedar Hills?

Cedar Hills uses the FHA limit for all of Washington County (2026): $701,500 for a one-unit home and $1,349,050 for a four-unit home.

How much property tax do owners pay in Cedar Hills?

The typical homeowner in Cedar Hills pays $4,380 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Washington County, the rate is 0.84%.

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

There are 2 HUD-approved counseling agencies with an office in Washington County. 2 say they serve in Spanish. 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).