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City · 15,925 residents · Coos County, Oregon

Coos Bay , Oregon

In Coos Bay, a typical home is worth $306,900 and typical rent is $1,034 a month. Compared with all of Coos County, the typical home value is 9% lower, typical household income is 9% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $306,900

    9% below the county

    36% below Oregon

    • Coos Bay
    • Coos
    • Oregon

  • Typical rent

    $1,034a month

    About the same as the county

    32% below Oregon

    • Coos Bay
    • Coos
    • Oregon

  • Typical household income

    $56,524a year

    9% below the county

    32% below Oregon

    • Coos Bay
    • Coos
    • Oregon

  • Households that own their home

    60%

    11 points below the county

    3 points below Oregon

    • Coos Bay
    • Coos
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$324,616
0.7% less than 12 months ago
Typical rent
$1,642 a month
6.4% more than 12 months ago

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

Coos Bay is in Coos 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 Coos County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Coos Bay apart

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

  1. Nearby, in Winston, the typical home value is $244,100: 20% less than in Coos Bay ($306,900).

  2. 60% of households in Coos Bay own their home, against 71% in Coos County.

  3. Coos Bay has the 8th lowest typical household income of the 105 cities in Oregon with more than 5,000 people ($56,524).

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

The homes here

Housing in Coos Bay

What homes there are in Coos Bay, 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

The detached house is still the most common home in Coos Bay, but it weighs less than in Coos County: 59% against 68%.

Year built

The typical year built in Coos Bay is 1971, about the same as in Coos County (1974).

Homes in Coos Bay are smaller: 50% have 3 bedrooms or more; in Coos County, 56%.

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

About 92% of owner-occupied homes in Coos Bay are worth less than the FHA loan limit for Coos County ($541,287).

Monthly rent with utilities

With a mortgage

$1,500 a month

Coos County: $1,634 a month

Without a mortgage

$646 a month

Coos County: $526 a month

Owners with a mortgage

61%

Coos County: 56%

In Coos Bay, 61% of owners have a mortgage, and their typical cost is $1,500 a month, against $1,634 in Coos County. Without one it drops to $646.

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 Coos County, the typical home value in Coos Bay rose 69% since 2015–2019.

The typical rent in Coos Bay rose 26% since 2015–2019, about the same as in Coos County (27%).

Housing prices ran ahead of income in Coos Bay: typical income rose 16%, against +69% for home values and +26% for rent.

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

MeasureCoos BayCoos 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 estimate1.9%3.2%3.4%
People per household 2.212.212.422.53
Drive alone 77%78%65%69%
Carpool 11%8%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate4%5%3%
Work from home 7%8%19%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

By size, households in Coos Bay look like those in Coos County: 2.21 people on average.

To get to work, 77% of workers in Coos Bay drive alone; in Coos County, 78%.

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 Coos Bay?

A typical home costs more than the typical income allows

We start with a typical home in Coos Bay, worth $306,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Coos Bay, which is $56,524 a year. For that payment to be 28% of income, a household would need to earn about $107,116 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Coos Bay. 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 $10,742 (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

$2,499

at 7.18% · 30 years

Loan amount
$301,341
Total interest
$433,559
Paid off in
November 2056

Includes $5,183 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,319 a month

  • Tight

    $1,319 to $1,696 a month

  • Hard

    more than $1,696 a month

    Your payment · 53%

Compared with the typical household income in Coos Bay ($56,524 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,499
Principal & interest$2,041
Property tax$194
Home insurance$128
FHA mortgage insurance (MIP)$136

You need at least $10,742 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

Coos Bay and Coos County

Coos Bay is in Coos 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).

Coos Bay's own numbers

Typical home value
$306,900
Typical monthly rent
$1,034
Typical yearly household income
$56,524
Households that own their home
60%
Effective property tax rate
0.76%

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

Numbers for all of Coos County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,173
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
4.5%

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 Coos County.

Everything about Coos County

Buying

Buying a home in Coos Bay

A typical home in Coos Bay is worth $306,900: 9% below the county and 36% below Oregon. With the typical household income in Coos Bay ($56,524 a year), a typical home costs 5.4 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.

  • Coos Bay 5.4 years
  • Coos 5.4 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Coos County

According to FHFA’s house price index, home prices in Coos County rose 107% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) −0.0% +0.9% +2.9%
5 years (2020–2025) +47% +35% +47%
10 years (2015–2025) +107% +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

Coos Bay next to Coos 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
  • Coos Bay $306,900
  • Coos $337,800
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Coos Bay $1,034
  • Coos $1,042
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Coos Bay $56,524
  • Coos $62,143
  • Oregon $83,011
  • United States $80,734
See the full table
Coos Bay next to Coos County and Oregon
Measure Coos Bay Coos County Oregon U.S.
Typical home value $306,900 $337,800 $477,600 $332,700
Typical monthly rent $1,034 $1,042 $1,525 $1,413
Typical yearly household income $56,524 $62,143 $83,011 $80,734
Households that own their home 60% 71% 63% 65%
Typical yearly property tax $2,326 $2,284 $3,876 $3,119
Effective property tax rate 0.76% 0.68% 0.81% 0.94%
Renters with high rent for their income 55% 52% 52% 51%

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

For a typical $306,900 home in Coos Bay, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Coos Bay's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,499a month

    Least cash to close
    Down payment
    $10,742
    Cash to close
    $19,949
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $136

  • Conventional, 5% down $2,443a month

    Down payment
    $15,345
    Cash to close
    $24,552
    Rate
    7.18%
    Mortgage insurance
    PMI · $146

  • Conventional, 20% down, no PMI $1,985a month

    Down payment
    $61,380
    Cash to close
    $70,587
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,269a month

    Down payment
    $46,035
    Cash to close
    $55,242
    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 Coos Bay and for Coos County.

Property tax

Effective rate in Coos Bay

0.76%of the home’s value each year

$2,326 a year for the typical owner in Coos Bay.

  • Coos Bay 0.76%
  • Coos 0.68%
  • 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 Coos County

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

Homes in the high-risk zone
4.5%
1,222
Of those, with NFIP insurance
11%
County Oregon U.S.
Homes in the high-risk zone 4.5% 2.8% 3.5%
Of those, with NFIP insurance 11% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Coos Bay

Typical rent in Coos Bay is $1,034 a month: about the same as the county. In Coos Bay, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Coos County, by unit size. To pay the 2-bedroom one ($1,173 a month) without spending more than 30% of your income, you would need to earn $22.56 an hour working full time.

HUD fair market rent for all of Coos 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 $901 $17.33 $36,040
1 bedroom $933 $17.94 $37,320
2 bedrooms $1,173 $22.56 $46,920
3 bedrooms $1,624 $31.23 $64,960
4 bedrooms $1,961 $37.71 $78,440

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 Coos Bay

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Coos Bay is in ZIP code 97420.

For 2 bedrooms it is $1,140: $33 less than the fair market rent for Coos County ($1,173).

  • 97420 $1,140$1,590

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

HUD lists 3 buildings with rents for lower incomes in Coos Bay. These are the largest.

  • Woodland Apartments 245 S Schoneman Ave, Coos Bay 97420 72 low-income homes · For families (541) 888-8732
  • Lake Empire Apts 1660 Newmark Ave, Coos Bay 97420 28 low-income homes · 2 bd: 18 · 3 bd: 10 · In service since 2008 · For families (541) 888-8253
  • Baybridge Apartments 183 Norman Ave, Coos Bay 97420 22 homes, 21 low-income · For people with disabilities (541) 888-3551

See all 14 buildings in Coos County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Coos Bay

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 Coos County. The nearest ones are below; many serve by phone or online.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Coos Bay

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

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

  • Neighborworks Umpqua

    605 SE Kane St, Roseburg · 46 miles away · Spanish

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

  • DevNW

    212 Main St, Springfield · 76 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (541) 345-7106

  • DevNW

    2525 SE 3rd St, Corvallis · 93 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (541) 752-7220

All counseling agencies in Oregon

Help in Spanish near Coos Bay

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 Coos Bay

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

2 other authorities have an office in Coos County: see the list Source: HUD

Cities

Other cities in Coos County

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

Everything about Coos County Housing in Oregon

Nearby cities

The cities closest to Coos Bay, with the typical home value.

Neighboring counties

If Coos 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 Coos Bay.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Coos Bay

Short answers with the numbers for Coos Bay and all of Coos 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 Coos Bay?

The typical home value in Coos Bay is $306,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Coos County it is $337,800.

How much does it cost to rent in Coos Bay?

Typical rent in Coos Bay is $1,034 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Coos County is $1,173.

What is the FHA loan limit in Coos Bay?

Coos Bay uses the FHA limit for all of Coos 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 Coos Bay?

The typical homeowner in Coos Bay pays $2,326 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Coos County, the rate is 0.68%.

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

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