In Eugene, a typical home is worth $460,400 and typical rent is $1,402 a month. Compared with all of Lane County, typical household income is 7% lower, the typical home value is 7% higher, and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $420,974 to $471,485.
Typical rent
$1,795a month
▲ 2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,464 to $1,795.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Eugene is in Lane 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 Lane County. See the county
What this place has that others do not, from public data, most unusual first.
1
Eugene has the 6th lowest homeownership rate of the 105 cities in Oregon with more than 5,000 people (48%).
2
Nearby, in Springfield, the typical home value is $358,700: 22% less than in Eugene ($460,400).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Eugene
What homes there are in Eugene, 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
Eugene
Lane County
Oregon
United States
Kind of home: Eugene and its comparisons
Measure
Eugene
Lane County
Oregon
United States
Detached house
51%
61%
63%
61%
Attached house
7%
6%
5%
6%
Building of 2 to 4
10%
8%
7%
8%
Apartments (5 or more)
29%
17%
18%
19%
Mobile home
4%
8%
7%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
The detached house is still the most common home in Eugene, but it weighs less than in Lane County: 51% against 61%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Eugene
Lane County
Oregon
United States
Year built: Eugene and its comparisons
Measure
Eugene
Lane County
Oregon
United States
Before 1960
20%
21%
23%
26%
1960–1979
31%
34%
26%
24%
1980–1999
24%
23%
25%
25%
2000–2009
14%
12%
14%
14%
2010 or later
12%
10%
12%
11%
The typical year built in Eugene is 1980, about the same as in Lane County (1977).
In Eugene, 20% of homes have 1 bedroom or none (studios); 53% have 3 bedrooms or more, against 59% in Lane County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K6%
$100K–$200K3%
$200K–$300K9%
$300K–$500K43%
$500K–$750K27%
FHA limit: $541,287
$750K–$1M9%
$1M or more4%
Value of owner-occupied homes: Eugene and its comparisons
Measure
Eugene
Under $100K
6%
$100K–$200K
3%
$200K–$300K
9%
$300K–$500K
43%
$500K–$750K
27%
$750K–$1M
9%
$1M or more
4%
About 64% of owner-occupied homes in Eugene are worth less than the FHA loan limit for Lane County ($541,287); the rest are worth more.
Monthly rent with utilities
Under the limitOver the limit
Under $5004%
$500–$99920%
$1,000–$1,49933%
$1,500–$1,99927%
HUD fair market rent, 2 bedrooms: $1,546
$2,000–$2,4999%
$2,500–$2,9994%
$3,000 or more3%
Monthly rent with utilities: Eugene and its comparisons
Measure
Eugene
Under $500
4%
$500–$999
20%
$1,000–$1,499
33%
$1,500–$1,999
27%
$2,000–$2,499
9%
$2,500–$2,999
4%
$3,000 or more
3%
About 60% of rented homes in Eugene cost less than HUD's 2-bedroom fair market rent for Lane County ($1,546); the rest cost more.
With a mortgage
$2,119 a month
Lane County: $1,949 a month
Without a mortgage
$763 a month
Lane County: $642 a month
Owners with a mortgage
63%
Lane County: 62%
In Eugene, 63% of owners have a mortgage, and their typical cost is $2,119 a month, against $1,949 in Lane County. Without one it drops to $763.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Eugene+60%
Lane County+64%
Oregon+53%
United States+53%
Typical rent
Eugene+36%
Lane County+37%
Oregon+37%
United States+33%
Typical household income
Eugene+31%
Lane County+37%
Oregon+32%
United States+29%
Change since 2015–2019: Eugene and its comparisons
Measure
Eugene
Lane County
Oregon
United States
Typical home value
+60%
+64%
+53%
+53%
Typical rent
+36%
+37%
+37%
+33%
Typical household income
+31%
+37%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Eugene rose 60%; in Lane County, it rose 64%.
Rents in Eugene rose at about the same pace as in Lane County: 36% since 2015–2019, against 37%.
Here income did not keep up with housing: it rose 31%, while home values changed +60% and rent +36%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Eugene and its comparisons
Measure
Eugene
Lane County
Oregon
United States
Rental vacancy
3.9%
3.2%
4.2%
5.5%
Homeowner vacancy
0.8%
0.8%
0.7%
0.9%
More than one person per room
2.2%
2.6%
3.2%
3.4%
People per household
2.23
2.33
2.42
2.53
Drive alone
61%
66%
65%
69%
Carpool
7%
9%
9%
9%
Public transit
3%
2%
2%
3%
Walk or bike
10%
7%
5%
3%
Work from home
17%
16%
19%
15%
Other means
2%
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Lane County, the rental vacancy rate in Eugene is 3.9%.
In Eugene, 2.2% of households live with more than one person per room, about the same as in Lane County.
Much as in Lane County, a household in Eugene has 2.23 people on average.
More people walk or bike to work in Eugene: 10%, against 7% in Lane County.
Do the math
What would you pay each month for a home in Eugene?
A typical home costs more than the typical income allows
We start with a typical home in Eugene, worth $460,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 69% of the typical household income in Eugene, which is $66,562 a year. For that payment to be 28% of income, a household would need to earn about $164,309 a year.
The calculator's FHA and conventional loan limits are those of all of Lane 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 Eugene. 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 $16,114 (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
$3,834
at 7.18% · 30 years
Loan amount
$452,061
Total interest
$650,410
Paid off in
November 2056
Includes $7,775 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,553 a month
Tight
$1,553 to $1,997 a month
Hard
more than $1,997 a month
Your payment · 69%
Compared with the typical household income in Eugene ($66,562 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,062
Property tax
$376
Home insurance
$192
FHA mortgage insurance (MIP)
$204
You need at least $16,114 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 $3,834; principal and interest $3,062.
The city and its county
Eugene and Lane County
Eugene is in Lane 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).
Eugene
Map of Lane County, Oregon, with Eugene marked. Around it, the neighboring counties.
Eugene
Lane County
Other cities with a page
Eugene's own numbers
Typical home value
$460,400
Typical monthly rent
$1,402
Typical yearly household income
$66,562
Households that own their home
48%
Effective property tax rate
0.98%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Lane County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,546
Price change over 5 years (FHFA)
+41%
Homes in a high flood-risk zone
6.6%
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 Lane County.
A typical home in Eugene is worth $460,400: 7% above the county and 4% below Oregon. With the typical household income in Eugene ($66,562 a year), a typical home costs 6.9 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.
Eugene6.9 years
Lane6.0 years
Oregon5.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Lane County
According to FHFA’s house price index, home prices in Lane County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Lane County.
Yearly change in FHFA’s price index in Lane County, 2016 to 2025
2016: +7.6% +7.6% 2016
2017: +8.8% +8.8% 2017
2018: +8.2% +8.2% 2018
2019: +6.4% +6.4% 2019
2020: +5.5% +5.5% 2020
2021: +15.7% +15.7% 2021
2022: +15.0% +15.0% 2022
2023: +2.4% +2.4% 2023
2024: +2.4% +2.4% 2024
2025: +1.2% +1.2% 2025
Change in FHFA’s price index in Lane County, Oregon and the United States
Period
County
Oregon
U.S.
Last year (2025)
+1.2%
+0.9%
+2.9%
5 years (2020–2025)
+41%
+35%
+47%
10 years (2015–2025)
+101%
+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
Eugene next to Lane 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
Eugene$460,400
Lane$430,600
Oregon$477,600
United States$332,700
Typical monthly rent
Eugene$1,402
Lane$1,355
Oregon$1,525
United States$1,413
Typical yearly household income
Eugene$66,562
Lane$71,544
Oregon$83,011
United States$80,734
See the full table
Eugene next to Lane County and Oregon
Measure
Eugene
Lane County
Oregon
U.S.
Typical home value
$460,400 ▲7% above the county
$430,600
$477,600
$332,700
Typical monthly rent
$1,402 ▲3% above the county
$1,355
$1,525
$1,413
Typical yearly household income
$66,562 ▼7% below the county
$71,544
$83,011
$80,734
Households that own their home
48% ▼12 points below the county
60%
63%
65%
Typical yearly property tax
$4,503 ▲27% above the county
$3,536
$3,876
$3,119
Effective property tax rate
0.98% ▲0.16 points above the county
0.82%
0.81%
0.94%
Renters with high rent for their income
59% ▲4 points above the county
55%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lane 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 Eugene
For a typical $460,400 home in Eugene, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Eugene's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,834a month
Least cash to close
Down payment
$16,114
Cash to close
$29,926
Rate
7.18%
Mortgage insurance
FHA MIP · $204
Conventional, 5% down$3,749a month
Down payment
$23,020
Cash to close
$36,832
Rate
7.18%
Mortgage insurance
PMI · $219
Conventional, 20% down, no PMI$3,063a month
Down payment
$92,080
Cash to close
$105,892
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,489a month
Down payment
$69,060
Cash to close
$82,872
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Eugene
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,834
$16,114
$452,061
7.18%
FHA MIP · $204
$29,926
580
Conventional, 5% down
$3,749
$23,020
$437,380
7.18%
PMI · $219
$36,832
620*
Conventional, 20% down, no PMI
$3,063
$92,080
$368,320
7.18%
None
$105,892
620*
ITIN, 15% down (example)
$3,489
$69,060
$391,340
8.18%
None
$82,872
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 Eugene is $1,402 a month: 3% above the county. In Eugene, 59% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Lane County, by unit size. To pay the 2-bedroom one ($1,546 a month) without spending more than 30% of your income, you would need to earn $29.73 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 Lane County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,157
$22.25
$46,280
1 bedroom
$1,182
$22.73
$47,280
2 bedrooms
$1,546
$29.73
$61,840
3 bedrooms
$2,141
$41.17
$85,640
4 bedrooms
$2,584
$49.69
$103,360
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 Eugene
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Eugene has 4 ZIP codes with their own.
For 2 bedrooms it runs from $1,570 in 97402 to $1,650 in 97401.
4 of the 4 are above the fair market rent for Lane County ($1,546).
2-bedroom fair market rent in each of the 4 ZIP codes of Eugene, beside the one for Lane County. For 2 bedrooms it runs from $1,570 in 97402 to $1,650 in 97401. 4 of the 4 are above the fair market rent for Lane County ($1,546).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,546
Lowest: $1,570 (97402)Highest: $1,650 (97401)
Fair market rent by ZIP code and size in Eugene, fiscal year 2027.
97401
$1,240
$1,260
$1,650
$2,280
$2,760
97402
$1,180
$1,200
$1,570
$2,170
$2,620
97403
$1,210
$1,250
$1,630
$2,270
$2,740
97405
$1,230
$1,250
$1,640
$2,270
$2,740
ZIP code2 bd3 bd
97401 $1,650$2,280
97402 $1,570$2,170
97403 $1,630$2,270
97405 $1,640$2,270
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Eugene 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)
HUD lists 51 buildings with rents for lower incomes in Eugene. These are the largest.
Willamette Gardens3545 Kinsrow Ave, Eugene 97401240 low-income homes · 1 bd: 48 · 2 bd: 96 · 3 bd: 96 · In service since 2007 · For families
Redwood Park Apts4103 W 18th Ave, Eugene 97402232 low-income homes · Studio: 6 · 1 bd: 180 · 2 bd: 46 · In service since 2006 · For families
Olive Plaza1133 Olive St, Eugene 97401150 low-income homes · For older adults(541) 683-3247
Parkview Terrace255 High St, Eugene 97401150 low-income homes · Run by Housing Authority & Comm Svcs of Lane Co · Average payment: $386 a month · Average wait: 52 months(541) 682-3755
Ya Po Ah Terrace Condominium Unit B350 Pearl St, Eugene 97401112 low-income homes · For older adults(541) 342-5329
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 is 1 HUD-approved agency with an office in Lane County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Eugene or Lane County. The ones below are statewide in Oregon: they work in Eugene 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).
No legal help resource on our list is for Eugene or Lane 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 Eugene and all of Lane 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 Eugene?
The typical home value in Eugene is $460,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lane County it is $430,600.
How much does it cost to rent in Eugene?
Typical rent in Eugene is $1,402 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lane County is $1,546.
What is the FHA loan limit in Eugene?
Eugene uses the FHA limit for all of Lane 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 Eugene?
The typical homeowner in Eugene pays $4,503 a year, according to the U.S. Census Bureau. That is 0.98% of the home’s value; in Lane County, the rate is 0.82%.
Where can I find free help to buy or rent in Eugene?
There is 1 HUD-approved counseling agency with an office in Lane County. They can help you get ready to buy, with your credit, or with rent.
