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City · 6,979 residents · Washington County, Oregon

Garden Home-Whitford , Oregon

In Garden Home-Whitford, a typical home is worth $624,900 and typical rent is $1,878 a month. Compared with all of Washington County, typical household income is 10% lower and the typical home value is 6% higher.

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  • Typical home value

    $624,900

    6% above the county

    31% above Oregon

    • Garden Home-Whitford
    • Washington
    • Oregon

  • Typical rent

    $1,878a month

    About the same as the county

    23% above Oregon

    • Garden Home-Whitford
    • Washington
    • Oregon

  • Typical household income

    $97,500a year

    10% below the county

    17% above Oregon

    • Garden Home-Whitford
    • Washington
    • Oregon

  • Households that own their home

    65%

    4 points above the county

    1 points above Oregon

    • Garden Home-Whitford
    • Washington
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$627,444
0.5% more than 12 months ago
Typical rent
$2,241 a month
2.4% more than 12 months ago

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

Garden Home-Whitford is in Washington 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 Washington County. See the county

Data updated: October 1, 2026 11 official sources

The homes here

Housing in Garden Home-Whitford

What homes there are in Garden Home-Whitford, 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 rules in Garden Home-Whitford: 70% of homes, more than in Washington County (57%).

Year built

In Garden Home-Whitford, half of the homes were built before 1978; in Washington County, before 1990.

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

$2,432 a month

Washington County: $2,475 a month

Without a mortgage

$977 a month

Washington County: $846 a month

Owners with a mortgage

68%

Washington County: 71%

The typical cost for an owner with a mortgage in Garden Home-Whitford is $2,432 a month, near the figure in Washington County ($2,475).

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 Garden Home-Whitford rose 38% since 2015–2019, less than in Washington County (52%).

Since 2015–2019, the typical rent in Garden Home-Whitford rose 20%, less than in Washington County (36%).

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

MeasureGarden Home-WhitfordWashington CountyOregonUnited States
Rental vacancy Unreliable estimate4.1%4.2%5.5%
Homeowner vacancy Unreliable estimate0.5%0.7%0.9%
More than one person per room Unreliable estimate3.4%3.2%3.4%
People per household 1.942.532.422.53
Drive alone 59%61%65%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimate3%2%3%
Walk or bike Unreliable estimate3%5%3%
Work from home 31%24%19%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Garden Home-Whitford are smaller: 1.94 people on average; in Washington County, 2.53.

Working from home is more common in Garden Home-Whitford: 31%, against 24% in Washington County.

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 Garden Home-Whitford?

A typical home costs more than the typical income allows

We start with a typical home in Garden Home-Whitford, worth $624,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 63% of the typical household income in Garden Home-Whitford, which is $97,500 a year. For that payment to be 28% of income, a household would need to earn about $219,892 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Garden Home-Whitford. 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 $21,872 (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

$5,131

at 7.18% · 30 years

Loan amount
$613,581
Total interest
$882,799
Paid off in
November 2056

Includes $10,553 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,275 a month

  • Tight

    $2,275 to $2,925 a month

  • Hard

    more than $2,925 a month

    Your payment · 63%

Compared with the typical household income in Garden Home-Whitford ($97,500 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,131
Principal & interest$4,157
Property tax$437
Home insurance$260
FHA mortgage insurance (MIP)$276

You need at least $21,872 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

Garden Home-Whitford and Washington County

Garden Home-Whitford is in Washington 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).

Garden Home-Whitford's own numbers

Typical home value
$624,900
Typical monthly rent
$1,878
Typical yearly household income
$97,500
Households that own their home
65%
Effective property tax rate
0.84%

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

Numbers for all of Washington 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)
+33%
Homes in a high flood-risk zone
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 Washington County.

Everything about Washington County

Buying

Buying a home in Garden Home-Whitford

A typical home in Garden Home-Whitford is worth $624,900: 6% above the county and 31% above Oregon. With the typical household income in Garden Home-Whitford ($97,500 a year), a typical home costs 6.4 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.

  • Garden Home-Whitford 6.4 years
  • Washington 5.5 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Washington County

According to FHFA’s house price index, home prices in Washington County rose 80% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) −0.5% +0.9% +2.9%
5 years (2020–2025) +33% +35% +47%
10 years (2015–2025) +80% +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

Garden Home-Whitford next to Washington 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
  • Garden Home-Whitford $624,900
  • Washington $588,000
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Garden Home-Whitford $1,878
  • Washington $1,849
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Garden Home-Whitford $97,500
  • Washington $107,772
  • Oregon $83,011
  • United States $80,734
See the full table
Garden Home-Whitford next to Washington County and Oregon
Measure Garden Home-Whitford Washington County Oregon U.S.
Typical home value $624,900 $588,000 $477,600 $332,700
Typical monthly rent $1,878 $1,849 $1,525 $1,413
Typical yearly household income $97,500 $107,772 $83,011 $80,734
Households that own their home 65% 61% 63% 65%
Typical yearly property tax $5,263 $4,929 $3,876 $3,119
Effective property tax rate 0.84% 0.84% 0.81% 0.94%
Renters with high rent for their income 42% 49% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Washington 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 Garden Home-Whitford

For a typical $624,900 home in Garden Home-Whitford, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Garden Home-Whitford's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,131a month

    Least cash to close
    Down payment
    $21,872
    Cash to close
    $40,619
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $276

  • Conventional, 5% down $5,016a month

    Down payment
    $31,245
    Cash to close
    $49,992
    Rate
    7.18%
    Mortgage insurance
    PMI · $297

  • Conventional, 20% down, no PMI $4,084a month

    Down payment
    $124,980
    Cash to close
    $143,727
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,662a month

    Down payment
    $93,735
    Cash to close
    $112,482
    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 Garden Home-Whitford and for Washington County.

Property tax

Effective rate in Garden Home-Whitford

0.84%of the home’s value each year

$5,263 a year for the typical owner in Garden Home-Whitford.

  • Garden Home-Whitford 0.84%
  • Washington 0.84%
  • 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 Washington County

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

Homes in the high-risk zone
1%
1,766
Of those, with NFIP insurance
38%
County Oregon U.S.
Homes in the high-risk zone 1% 2.8% 3.5%
Of those, with NFIP insurance 38% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Garden Home-Whitford

Typical rent in Garden Home-Whitford is $1,878 a month: about the same as the county. In Garden Home-Whitford, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Washington 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 Washington 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 Garden Home-Whitford

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Garden Home-Whitford is in ZIP code 97223.

For 2 bedrooms it is $1,970: $92 more than the fair market rent for Washington County ($1,878).

  • 97223 $1,970$2,670

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Garden Home-Whitford 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?

Free help

Help to buy or rent in Garden Home-Whitford

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 Washington County; 2 say they serve in Spanish.

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

HUD counseling is free or low-cost

Assistance programs in Garden Home-Whitford

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

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

  • Housing Options Provided for the Elderly

    5200 Meadows Rd Ste 150, Lake Oswego · 3 miles away

    • Reverse mortgage counseling
    (971) 207-7820

  • African American Alliance for Homeownership, Inc.

    825 NE 20th Ave Ste 100, Portland · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 2 more
    (503) 595-3517

  • Portland Housing Center DBA Arrive

    3233 NE Sandy Blvd, Portland · 8 miles away · Spanish

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

Every agency in Washington County All counseling agencies in Oregon

Help in Spanish near Garden Home-Whitford

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 Garden Home-Whitford

HUD’s record names them for Garden Home-Whitford or Washington County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of Washington County Public housing and Section 8 vouchers (503) 846-4794

All housing agencies in Oregon Source: HUD

Cities

Other cities in Washington County

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

Everything about Washington County Housing in Oregon
See 7 more cities in Washington County, with prices and rents

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

Nearby cities

The cities closest to Garden Home-Whitford, with the typical home value.

Neighboring counties

If Washington 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 Garden Home-Whitford.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Garden Home-Whitford

Short answers with the numbers for Garden Home-Whitford and all of Washington 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 Garden Home-Whitford?

The typical home value in Garden Home-Whitford is $624,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Washington County it is $588,000.

How much does it cost to rent in Garden Home-Whitford?

Typical rent in Garden Home-Whitford is $1,878 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Washington County is $1,878.

What is the FHA loan limit in Garden Home-Whitford?

Garden Home-Whitford uses the FHA limit for all of Washington 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 Garden Home-Whitford?

The typical homeowner in Garden Home-Whitford pays $5,263 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in Washington County, the rate is 0.84%.

Where can I find free help to buy or rent in Garden Home-Whitford?

There are 2 HUD-approved counseling agencies with an office in Washington County. 2 say they serve 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).