In Central Point, a typical home is worth $389,100 and typical rent is $1,364 a month. Compared with all of Jackson County, typical household income is 16% higher and the typical home value is 10% lower.
Typical home value from Zillow, September 2021 to September 2026: from $388,104 to $412,284.
Typical rent
$2,088a month
▲ 2% more than 12 months ago
Typical rent from Zillow, December 2024 to September 2026: from $1,975 to $2,088.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Central Point 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: 22% less than in Central Point ($389,100).
2
The typical household income in Central Point is $86,058,16% more than in Jackson County as a whole ($73,999).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Central Point
What homes there are in Central Point, 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
Central Point
Jackson County
Oregon
United States
Kind of home: Central Point and its comparisons
Measure
Central Point
Jackson County
Oregon
United States
Detached house
65%
65%
63%
61%
Attached house
12%
6%
5%
6%
Building of 2 to 4
7%
8%
7%
8%
Apartments (5 or more)
10%
11%
18%
19%
Mobile home
5%
10%
7%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
The detached house is the most common home in Central Point: 65% of homes, near the figure in Jackson County (65%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Central Point
Jackson County
Oregon
United States
Year built: Central Point and its comparisons
Measure
Central Point
Jackson County
Oregon
United States
Before 1960
5%
18%
23%
26%
1960–1979
21%
27%
26%
24%
1980–1999
29%
27%
25%
25%
2000–2009
34%
17%
14%
14%
2010 or later
11%
11%
12%
11%
Homes in Central Point are newer: the typical year built is 1997; in Jackson County, 1985.
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–$300K17%
$300K–$500K63%
$500K–$750K11%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Central Point and its comparisons
Measure
Central Point
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
17%
$300K–$500K
63%
$500K–$750K
11%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99912%
$1,000–$1,49945%
$1,500–$1,99923%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Central Point and its comparisons
Measure
Central Point
Under $500
Unreliable estimate
$500–$999
12%
$1,000–$1,499
45%
$1,500–$1,999
23%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,790 a month
Jackson County: $1,935 a month
Without a mortgage
$607 a month
Jackson County: $624 a month
Owners with a mortgage
64%
Jackson County: 61%
Owning costs less in Central Point: with a mortgage, the typical cost is $1,790 a month; in Jackson County, $1,935. Without one, $607.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Central Point+49%
Jackson County+54%
Oregon+53%
United States+53%
Typical rent
Central Point+30%
Jackson County+37%
Oregon+37%
United States+33%
Typical household income
Central Point+50%
Jackson County+39%
Oregon+32%
United States+29%
Change since 2015–2019: Central Point and its comparisons
Measure
Central Point
Jackson County
Oregon
United States
Typical home value
+49%
+54%
+53%
+53%
Typical rent
+30%
+37%
+37%
+33%
Typical household income
+50%
+39%
+32%
+29%
The typical home value in Central Point rose 49% since 2015–2019, less than in Jackson County (54%).
The typical rent in Central Point rose 30% over the same time; in Jackson County, it rose 37%.
To compare: typical income in Central Point rose 50%; the home, +49%; the rent, +30%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Central Point and its comparisons
Measure
Central Point
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
2.46
2.37
2.42
2.53
Drive alone
76%
72%
65%
69%
Carpool
9%
9%
9%
9%
Public transit
Unreliable estimate
1%
2%
3%
Walk or bike
Unreliable estimate
4%
5%
3%
Work from home
9%
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
Much as in Jackson County, a household in Central Point has 2.46 people on average.
The car rules in Central Point: 76% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Central Point?
A typical home costs more than the typical income allows
We start with a typical home in Central Point, worth $389,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Central Point, which is $86,058 a year. For that payment to be 28% of income, a household would need to earn about $137,474 a year.
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 Central Point. 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 $13,619 (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
$3,208
at 7.18% · 30 years
Loan amount
$382,052
Total interest
$549,683
Paid off in
November 2056
Includes $6,571 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,008 a month
Tight
$2,008 to $2,582 a month
Hard
more than $2,582 a month
Your payment · 45%
Compared with the typical household income in Central Point ($86,058 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,588
Property tax
$285
Home insurance
$162
FHA mortgage insurance (MIP)
$172
You need at least $13,619 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 $3,208; principal and interest $2,588.
The city and its county
Central Point and Jackson County
Central Point 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).
Central Point
Map of Jackson County, Oregon, with Central Point marked. Around it, the neighboring counties.
Central Point
Jackson County
Other cities with a page
Central Point's own numbers
Typical home value
$389,100
Typical monthly rent
$1,364
Typical yearly household income
$86,058
Households that own their home
67%
Effective property tax rate
0.88%
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 Central Point is worth $389,100: 10% below the county and 19% below Oregon. With the typical household income in Central Point ($86,058 a year), a typical home costs 4.5 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.
Central Point4.5 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
Central Point 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
Central Point$389,100
Jackson$430,200
Oregon$477,600
United States$332,700
Typical monthly rent
Central Point$1,364
Jackson$1,358
Oregon$1,525
United States$1,413
Typical yearly household income
Central Point$86,058
Jackson$73,999
Oregon$83,011
United States$80,734
See the full table
Central Point next to Jackson County and Oregon
Measure
Central Point
Jackson County
Oregon
U.S.
Typical home value
$389,100 ▼10% below the county
$430,200
$477,600
$332,700
Typical monthly rent
$1,364
$1,358
$1,525
$1,413
Typical yearly household income
$86,058 ▲16% above the county
$73,999
$83,011
$80,734
Households that own their home
67% ▲1 points above the county
66%
63%
65%
Typical yearly property tax
$3,422 ▲8% above the county
$3,174
$3,876
$3,119
Effective property tax rate
0.88% ▲0.14 points above the county
0.74%
0.81%
0.94%
Renters with high rent for their income
50% ▼6 points below 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 Central Point
For a typical $389,100 home in Central Point, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Central Point's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,208a month
Least cash to close
Down payment
$13,619
Cash to close
$25,292
Rate
7.18%
Mortgage insurance
FHA MIP · $172
Conventional, 5% down$3,136a month
Down payment
$19,455
Cash to close
$31,128
Rate
7.18%
Mortgage insurance
PMI · $185
Conventional, 20% down, no PMI$2,556a month
Down payment
$77,820
Cash to close
$89,493
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,916a month
Down payment
$58,365
Cash to close
$70,038
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Central Point
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,208
$13,619
$382,052
7.18%
FHA MIP · $172
$25,292
580
Conventional, 5% down
$3,136
$19,455
$369,645
7.18%
PMI · $185
$31,128
620*
Conventional, 20% down, no PMI
$2,556
$77,820
$311,280
7.18%
None
$89,493
620*
ITIN, 15% down (example)
$2,916
$58,365
$330,735
8.18%
None
$70,038
Set by the lender
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.
Typical rent in Central Point is $1,364 a month: about the same as the county. In Central Point, 50% 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 Central Point
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Central Point is in ZIP code 97502.
For 2 bedrooms it is $1,570: $31 more than the fair market rent for Jackson County ($1,539).
Fair market rent by ZIP code and size in Central Point, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
97502
$1,100
$1,270
$1,570
$2,170
$2,590
ZIP code2 bd3 bd
97502 $1,570$2,170
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Central Point 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 Central Point or Jackson County. The ones below are statewide in Oregon: they work in Central Point 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).
The HUD-approved agencies closest to the center of Central Point, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
A
Access
3630 Aviation Way, Medford · 3 miles away · Spanish
No legal help resource on our list is for Central Point 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 Central Point 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 Central Point?
The typical home value in Central Point is $389,100, 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 Central Point?
Typical rent in Central Point is $1,364 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 Central Point?
Central Point 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 Central Point?
The typical homeowner in Central Point pays $3,422 a year, according to the U.S. Census Bureau. That is 0.88% of the home’s value; in Jackson County, the rate is 0.74%.
Where can I find free help to buy or rent in Central Point?
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.
