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City · 5,152 residents · Clackamas County, Oregon

Estacada , Oregon

In Estacada, a typical home is worth $509,800. Compared with all of Clackamas County, the typical home value is 17% lower, typical household income is 9% lower, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $509,800

    17% below the county

    7% above Oregon

    • Estacada
    • Clackamas
    • Oregon

  • Typical household income

    $94,435a year

    9% below the county

    14% above Oregon

    • Estacada
    • Clackamas
    • Oregon

  • Households that own their home

    80%

    10 points above the county

    17 points above Oregon

    • Estacada
    • Clackamas
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$537,593
1.4% less than 12 months ago

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

Estacada is in Clackamas 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 Clackamas County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Estacada apart

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

  1. The typical home in Estacada is worth $509,800, 17% less than in Clackamas County as a whole ($611,000).

  2. Estacada has the 8th highest homeownership rate of the 105 cities in Oregon with more than 5,000 people (80%).

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

The homes here

Housing in Estacada

What homes there are in Estacada, 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 Estacada, 8 in 10 homes are single-family detached houses; in Clackamas County, 7.

Year built

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

$2,422 a month

Clackamas County: $2,559 a month

Without a mortgage

$619 a month

Clackamas County: $871 a month

Owners with a mortgage

82%

Clackamas County: 68%

The typical cost for an owner with a mortgage in Estacada is $2,422 a month, less than in Clackamas County ($2,559); without one, $619.

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 Estacada rose 67% since 2015–2019, more than in Clackamas County (55%).

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

MeasureEstacadaClackamas CountyOregonUnited States
Rental vacancy Unreliable estimate4.9%4.2%5.5%
Homeowner vacancy Unreliable estimate0.9%0.7%0.9%
More than one person per room Unreliable estimate2.2%3.2%3.4%
People per household 2.732.562.422.53
Drive alone 64%67%65%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate3%5%3%
Work from home 14%21%19%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.73 on average, against 2.56 in Clackamas County.

To get to work, 64% of workers in Estacada drive alone; in Clackamas County, 67%.

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 Estacada?

A typical home costs more than the typical income allows

We start with a typical home in Estacada, worth $509,800, 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 Estacada, which is $94,435 a year. For that payment to be 28% of income, a household would need to earn about $178,844 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Estacada. 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 $17,843 (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

$4,173

at 7.18% · 30 years

Loan amount
$500,566
Total interest
$720,197
Paid off in
November 2056

Includes $8,609 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,203 a month

  • Tight

    $2,203 to $2,833 a month

  • Hard

    more than $2,833 a month

    Your payment · 53%

Compared with the typical household income in Estacada ($94,435 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,173
Principal & interest$3,391
Property tax$344
Home insurance$212
FHA mortgage insurance (MIP)$225

You need at least $17,843 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

Estacada and Clackamas County

Estacada is in Clackamas 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).

Estacada's own numbers

Typical home value
$509,800
Typical yearly household income
$94,435
Households that own their home
80%
Effective property tax rate
0.81%

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

Numbers for all of Clackamas 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)
+36%
Homes in a high flood-risk zone
1.3%

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 Clackamas County.

Everything about Clackamas County

Buying

Buying a home in Estacada

A typical home in Estacada is worth $509,800: 17% below the county and 7% above Oregon. With the typical household income in Estacada ($94,435 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.

  • Estacada 5.4 years
  • Clackamas 5.9 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Clackamas County

According to FHFA’s house price index, home prices in Clackamas County rose 87% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) +1.6% +0.9% +2.9%
5 years (2020–2025) +36% +35% +47%
10 years (2015–2025) +87% +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

Estacada next to Clackamas 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
  • Estacada $509,800
  • Clackamas $611,000
  • Oregon $477,600
  • United States $332,700
Typical yearly household income
  • Estacada $94,435
  • Clackamas $103,517
  • Oregon $83,011
  • United States $80,734
See the full table
Estacada next to Clackamas County and Oregon
Measure Estacada Clackamas County Oregon U.S.
Typical home value $509,800 $611,000 $477,600 $332,700
Typical yearly household income $94,435 $103,517 $83,011 $80,734
Households that own their home 80% 71% 63% 65%
Typical yearly property tax $4,128 $5,171 $3,876 $3,119
Effective property tax rate 0.81% 0.85% 0.81% 0.94%

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

For a typical $509,800 home in Estacada, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Estacada's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,173a month

    Least cash to close
    Down payment
    $17,843
    Cash to close
    $33,137
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $225

  • Conventional, 5% down $4,080a month

    Down payment
    $25,490
    Cash to close
    $40,784
    Rate
    7.18%
    Mortgage insurance
    PMI · $242

  • Conventional, 20% down, no PMI $3,319a month

    Down payment
    $101,960
    Cash to close
    $117,254
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,791a month

    Down payment
    $76,470
    Cash to close
    $91,764
    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 Estacada and for Clackamas County.

Property tax

Effective rate in Estacada

0.81%of the home’s value each year

$4,128 a year for the typical owner in Estacada.

  • Estacada 0.81%
  • Clackamas 0.85%
  • 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 Clackamas County

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

Homes in the high-risk zone
1.3%
1,926
Of those, with NFIP insurance
41%
County Oregon U.S.
Homes in the high-risk zone 1.3% 2.8% 3.5%
Of those, with NFIP insurance 41% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Estacada

The Census Bureau publishes no typical rent for Estacada. Below are the fair market rents for Clackamas County.

HUD publishes a fair market rent for all of Clackamas 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 Clackamas 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 Estacada

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Estacada is in ZIP code 97023.

For 2 bedrooms it is $1,730: $148 less than the fair market rent for Clackamas County ($1,878).

  • 97023 $1,730$2,360

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

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

  • Whispering Pines 525 NW 6th Ave, Estacada 97023 63 homes, 62 low-income · For older adults (503) 630-6460
  • Estacada Village 855 NE Hill Way, Estacada 97023 47 low-income homes · In service since 2012 · For families
  • 300 Main 300 SE Main St, Estacada 97023 26 homes, 25 low-income · For older adults (503) 630-2357

See all 47 buildings in Clackamas County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Estacada

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 Clackamas County; 1 says it serves in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Estacada

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

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

  • DevNw

    421 High Street, Suite 110, Oregon City · 14 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (503) 655-8974

  • Housing Options Provided for the Elderly

    5200 Meadows Rd Ste 150, Lake Oswego · 21 miles away

    • Reverse mortgage counseling
    (971) 207-7820

  • Portland Housing Center DBA Arrive

    3233 NE Sandy Blvd, Portland · 22 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (503) 282-7744

Every agency in Clackamas County All counseling agencies in Oregon

Help in Spanish near Estacada

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 Estacada

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

  • Housing Authority of Clackamas County Public housing and Section 8 vouchers (503) 655-8267

All housing agencies in Oregon Source: HUD

Cities

Other cities in Clackamas County

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

Everything about Clackamas County Housing in Oregon
See 2 more cities in Clackamas County, with prices and rents

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

Nearby cities

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

Neighboring counties

If Clackamas 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 Estacada.

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

Questions

Housing questions about Estacada

Short answers with the numbers for Estacada and all of Clackamas 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 Estacada?

The typical home value in Estacada is $509,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clackamas County it is $611,000.

What is the FHA loan limit in Estacada?

Estacada uses the FHA limit for all of Clackamas 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 Estacada?

The typical homeowner in Estacada pays $4,128 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Clackamas County, the rate is 0.85%.

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

There are 2 HUD-approved counseling agencies with an office in Clackamas 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).