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City · 9,839 residents · Jackson County, Oregon

Eagle Point , Oregon

In Eagle Point, a typical home is worth $408,700 and typical rent is $1,307 a month. Compared with all of Jackson County, typical household income is 14% higher and the share of households that own their home is 8 points higher.

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  • Typical home value

    $408,700

    5% below the county

    14% below Oregon

    • Eagle Point
    • Jackson
    • Oregon

  • Typical rent

    $1,307a month

    4% below the county

    14% below Oregon

    • Eagle Point
    • Jackson
    • Oregon

  • Typical household income

    $84,126a year

    14% above the county

    About the same as Oregon

    • Eagle Point
    • Jackson
    • Oregon

  • Households that own their home

    74%

    8 points above the county

    11 points above Oregon

    • Eagle Point
    • Jackson
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$468,568
0.9% more than 12 months ago
Typical rent
$2,122 a month

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

Eagle 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Eagle Point 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: 26% less than in Eagle Point ($408,700).

  2. Eagle Point has the 6th smallest share of rent-burdened renters of the 93 cities in Oregon with more than 5,000 people (41%).

  3. 74% of households in Eagle Point own their home, against 66% in Jackson County.

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

The homes here

Housing in Eagle Point

What homes there are in Eagle 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 houses, standing on their own, make up 68% of homes here, against 65% in Jackson County.

Year built

Here half of the homes date from 2000 or later; in Jackson County, from 1985 or later.

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

$1,911 a month

Jackson County: $1,935 a month

Without a mortgage

$673 a month

Jackson County: $624 a month

Owners with a mortgage

58%

Jackson County: 61%

Owning costs about the same in Eagle Point as in Jackson County: with a mortgage, $1,911 a month; without one, $673.

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 Eagle Point rose 67%; in Jackson County, it rose 54%.

Rent in Eagle Point moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureEagle PointJackson CountyOregonUnited States
Rental vacancy Unreliable estimate4.1%4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate3.0%3.2%3.4%
People per household 2.542.372.422.53
Drive alone 86%72%65%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate4%5%3%
Work from home Unreliable estimate13%19%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Eagle Point are bigger: 2.54 people on average; in Jackson County, 2.37.

The car rules in Eagle Point: 86% of workers drive to work alone, and the typical trip takes 20 to 29 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 Eagle Point?

A typical home costs more than the typical income allows

We start with a typical home in Eagle Point, worth $408,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Eagle Point, which is $84,126 a year. For that payment to be 28% of income, a household would need to earn about $142,063 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Eagle Point. 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 $14,305 (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

$3,315

at 7.18% · 30 years

Loan amount
$401,297
Total interest
$577,372
Paid off in
November 2056

Includes $6,902 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,963 a month

  • Tight

    $1,963 to $2,524 a month

  • Hard

    more than $2,524 a month

    Your payment · 47%

Compared with the typical household income in Eagle Point ($84,126 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,315
Principal & interest$2,719
Property tax$245
Home insurance$170
FHA mortgage insurance (MIP)$181

You need at least $14,305 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

Eagle Point and Jackson County

Eagle 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).

Eagle Point's own numbers

Typical home value
$408,700
Typical monthly rent
$1,307
Typical yearly household income
$84,126
Households that own their home
74%
Effective property tax rate
0.72%

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.

Everything about Jackson County

Buying

Buying a home in Eagle Point

A typical home in Eagle Point is worth $408,700: 5% below the county and 14% below Oregon. With the typical household income in Eagle Point ($84,126 a year), a typical home costs 4.9 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.

  • Eagle Point 4.9 years
  • Jackson 5.8 years
  • Oregon 5.8 years
  • United States 4.1 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.

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

Eagle 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
  • Eagle Point $408,700
  • Jackson $430,200
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Eagle Point $1,307
  • Jackson $1,358
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Eagle Point $84,126
  • Jackson $73,999
  • Oregon $83,011
  • United States $80,734
See the full table
Eagle Point next to Jackson County and Oregon
Measure Eagle Point Jackson County Oregon U.S.
Typical home value $408,700 $430,200 $477,600 $332,700
Typical monthly rent $1,307 $1,358 $1,525 $1,413
Typical yearly household income $84,126 $73,999 $83,011 $80,734
Households that own their home 74% 66% 63% 65%
Typical yearly property tax $2,935 $3,174 $3,876 $3,119
Effective property tax rate 0.72% 0.74% 0.81% 0.94%
Renters with high rent for their income 41% 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 Eagle Point

For a typical $408,700 home in Eagle Point, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Eagle Point's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,315a month

    Least cash to close
    Down payment
    $14,305
    Cash to close
    $26,566
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $181

  • Conventional, 5% down $3,240a month

    Down payment
    $20,435
    Cash to close
    $32,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $194

  • Conventional, 20% down, no PMI $2,630a month

    Down payment
    $81,740
    Cash to close
    $94,001
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,008a month

    Down payment
    $61,305
    Cash to close
    $73,566
    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 Eagle Point and for Jackson County.

Property tax

Effective rate in Eagle Point

0.72%of the home’s value each year

$2,935 a year for the typical owner in Eagle Point.

  • Eagle Point 0.72%
  • Jackson 0.74%
  • 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 Jackson County

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

Homes in the high-risk zone
3.1%
2,809
Of those, with NFIP insurance
28%
County Oregon U.S.
Homes in the high-risk zone 3.1% 2.8% 3.5%
Of those, with NFIP insurance 28% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Eagle Point

Typical rent in Eagle Point is $1,307 a month: 4% below the county. In Eagle Point, 41% 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.

HUD fair market rent for all of Jackson 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 $1,076 $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 Eagle Point

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Eagle Point is in ZIP code 97524.

For 2 bedrooms it is $1,450: $89 less than the fair market rent for Jackson County ($1,539).

  • 97524 $1,450$2,010

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

HUD lists 3 buildings with rents for lower incomes in Eagle Point. These are the largest.

  • Shasta Square Apts 519 S Shasta Ave, Eagle Point 97524 44 low-income homes · For families (541) 826-3548
  • Butte Creek Apts 115 Onyx St, Eagle Point 97524 32 homes, 31 low-income · 1 bd: 8 · 2 bd: 20 · 3 bd: 3 · In service since 1990 · For families
  • Royal Loto Apts 110 Loto St, Eagle Point 97524 16 low-income homes · For older adults (541) 826-6930

See all 37 buildings in Jackson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Eagle Point

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.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Eagle Point

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

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

  • Access

    3630 Aviation Way, Medford · 8 miles away · Spanish

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

  • CCCS of Southern Oregon

    820 Crater Lake Ave, Medford · 10 miles away

    • Reverse mortgage counseling
    (541) 779-2273

  • Neighborworks Umpqua

    605 SE Kane St, Roseburg · 58 miles away · Spanish

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

Every agency in Jackson County All counseling agencies in Oregon

Help in Spanish near Eagle Point

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 Eagle Point

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

  • Housing Authority of Jackson County Section 8 vouchers (541) 779-5785

All housing agencies in Oregon Source: HUD

Cities

Other cities in Jackson County

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

Everything about Jackson County Housing in Oregon

Nearby cities

The cities closest to Eagle Point, with the typical home value.

Neighboring counties

If Jackson 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 Eagle Point.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Eagle Point

Short answers with the numbers for Eagle 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 Eagle Point?

The typical home value in Eagle Point is $408,700, 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 Eagle Point?

Typical rent in Eagle Point is $1,307 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 Eagle Point?

Eagle 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 Eagle Point?

The typical homeowner in Eagle Point pays $2,935 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Jackson County, the rate is 0.74%.

Where can I find free help to buy or rent in Eagle 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.

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).