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City · 39,311 residents · Josephine County, Oregon

Grants Pass , Oregon

In Grants Pass, a typical home is worth $382,600 and typical rent is $1,217 a month. Compared with all of Josephine County, the typical home value is 5% lower and the share of households that own their home is 15 points lower.

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  • Typical home value

    $382,600

    5% below the county

    20% below Oregon

    • Grants Pass
    • Josephine
    • Oregon

  • Typical rent

    $1,217a month

    About the same as the county

    20% below Oregon

    • Grants Pass
    • Josephine
    • Oregon

  • Typical household income

    $59,646a year

    About the same as the county

    28% below Oregon

    • Grants Pass
    • Josephine
    • Oregon

  • Households that own their home

    57%

    15 points below the county

    6 points below Oregon

    • Grants Pass
    • Josephine
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$397,758
about the same as 12 months ago
Typical rent
$1,594 a month
3.8% more than 12 months ago

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

Grants Pass is in Josephine 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 Josephine County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Grants Pass apart

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

  1. 57% of households in Grants Pass own their home, against 72% in Josephine County.

  2. Nearby, in White City, the typical home value is $302,400: 21% less than in Grants Pass ($382,600).

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

The homes here

Housing in Grants Pass

What homes there are in Grants Pass, 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 Grants Pass, but it weighs less than in Josephine County: 68% against 71%.

Year built

By age, homes in Grants Pass look like those in Josephine County: the typical year built is 1983.

By size, homes in Grants Pass look like those in Josephine County: 59% have 3 bedrooms or more.

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

By price, most homes in Grants Pass sit under the FHA limit for Josephine County ($541,287): about 82%.

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($1,331), about 59% of rented homes in Grants Pass cost less.

With a mortgage

$1,905 a month

Josephine County: $1,828 a month

Without a mortgage

$536 a month

Josephine County: $476 a month

Owners with a mortgage

65%

Josephine County: 57%

In Grants Pass, 65% of owners have a mortgage; their typical cost is $1,905 a month, about the same as in Josephine County.

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 Grants Pass rose 65%; in Josephine County, it rose 52%.

The typical rent in Grants Pass rose 31% since 2015–2019, about the same as in Josephine County (32%).

The typical household income in Grants Pass rose 35% over that time; home values changed +65% and rent +31%.

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

MeasureGrants PassJosephine CountyOregonUnited States
Rental vacancy Unreliable estimate3.2%4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room 2.4%3.2%3.2%3.4%
People per household 2.302.362.422.53
Drive alone 74%74%65%69%
Carpool 11%10%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike 3%2%5%3%
Work from home 10%12%19%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 2.4% of households in Grants Pass live, near the figure in Josephine County (3.2%).

A household in Grants Pass has 2.30 people on average, about the same as in Josephine County (2.36).

To get to work, 74% of workers in Grants Pass drive alone; in Josephine County, 74%.

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 Grants Pass?

A typical home costs more than the typical income allows

We start with a typical home in Grants Pass, worth $382,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 62% of the typical household income in Grants Pass, which is $59,646 a year. For that payment to be 28% of income, a household would need to earn about $132,581 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Grants Pass. 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 $13,391 (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

$3,094

at 7.18% · 30 years

Loan amount
$375,670
Total interest
$540,501
Paid off in
November 2056

Includes $6,461 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,392 a month

  • Tight

    $1,392 to $1,789 a month

  • Hard

    more than $1,789 a month

    Your payment · 62%

Compared with the typical household income in Grants Pass ($59,646 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,094
Principal & interest$2,545
Property tax$220
Home insurance$159
FHA mortgage insurance (MIP)$169

You need at least $13,391 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

Grants Pass and Josephine County

Grants Pass is in Josephine 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).

Grants Pass's own numbers

Typical home value
$382,600
Typical monthly rent
$1,217
Typical yearly household income
$59,646
Households that own their home
57%
Effective property tax rate
0.69%

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

Numbers for all of Josephine County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,331
Price change over 5 years (FHFA)
+32%
Homes in a high flood-risk zone
5.3%

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 Josephine County.

Everything about Josephine County

Buying

Buying a home in Grants Pass

A typical home in Grants Pass is worth $382,600: 5% below the county and 20% below Oregon. With the typical household income in Grants Pass ($59,646 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.

  • Grants Pass 6.4 years
  • Josephine 6.7 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Josephine County

According to FHFA’s house price index, home prices in Josephine County rose 84% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) +1.9% +0.9% +2.9%
5 years (2020–2025) +32% +35% +47%
10 years (2015–2025) +84% +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

Grants Pass next to Josephine 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
  • Grants Pass $382,600
  • Josephine $404,300
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Grants Pass $1,217
  • Josephine $1,194
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Grants Pass $59,646
  • Josephine $60,098
  • Oregon $83,011
  • United States $80,734
See the full table
Grants Pass next to Josephine County and Oregon
Measure Grants Pass Josephine County Oregon U.S.
Typical home value $382,600 $404,300 $477,600 $332,700
Typical monthly rent $1,217 $1,194 $1,525 $1,413
Typical yearly household income $59,646 $60,098 $83,011 $80,734
Households that own their home 57% 72% 63% 65%
Typical yearly property tax $2,626 $2,086 $3,876 $3,119
Effective property tax rate 0.69% 0.52% 0.81% 0.94%
Renters with high rent for their income 57% 56% 52% 51%

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

For a typical $382,600 home in Grants Pass, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Grants Pass's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,094a month

    Least cash to close
    Down payment
    $13,391
    Cash to close
    $24,869
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $169

  • Conventional, 5% down $3,023a month

    Down payment
    $19,130
    Cash to close
    $30,608
    Rate
    7.18%
    Mortgage insurance
    PMI · $182

  • Conventional, 20% down, no PMI $2,453a month

    Down payment
    $76,520
    Cash to close
    $87,998
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,807a month

    Down payment
    $57,390
    Cash to close
    $68,868
    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 Grants Pass and for Josephine County.

Property tax

Effective rate in Grants Pass

0.69%of the home’s value each year

$2,626 a year for the typical owner in Grants Pass.

  • Grants Pass 0.69%
  • Josephine 0.52%
  • 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 Josephine County

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

Homes in the high-risk zone
5.3%
2,051
Of those, with NFIP insurance
16%
County Oregon U.S.
Homes in the high-risk zone 5.3% 2.8% 3.5%
Of those, with NFIP insurance 16% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Grants Pass

Typical rent in Grants Pass is $1,217 a month: about the same as the county. In Grants Pass, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Josephine County, by unit size. To pay the 2-bedroom one ($1,331 a month) without spending more than 30% of your income, you would need to earn $25.60 an hour working full time.

HUD fair market rent for all of Josephine 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 $927 $17.83 $37,080
1 bedroom $1,017 $19.56 $40,680
2 bedrooms $1,331 $25.60 $53,240
3 bedrooms $1,843 $35.44 $73,720
4 bedrooms $2,012 $38.69 $80,480

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 Grants Pass

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Grants Pass has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,380 in 97526 to $1,520 in 97527.

2 of the 2 are above the fair market rent for Josephine County ($1,331).

  • 97526 $1,380$1,920
  • 97527 $1,520$2,110

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Grants Pass 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 Grants Pass

HUD lists 16 buildings with rents for lower incomes in Grants Pass. These are the largest.

  • Holiday Park Gardens 1051 E Park St, Grants Pass 97527 124 low-income homes · 1 bd: 124 · In service since 1991 · For families
  • Oak View Congregate Care 401 NE Anderson St, Grants Pass 97526 60 low-income homes · 1 bd: 59 · 2 bd: 1 · In service since 1993 · For older adults
  • Rogue View Gardens 1100 Fruitdale Dr, Grants Pass 97527 60 low-income homes · 1 bd: 1 · 2 bd: 57 · 3 bd: 2 · In service since 1994
  • Grants Pass Senior Housing 1465 NE 10th St, Grants Pass 97526 58 low-income homes · 1 bd: 58 · In service since 1991 · For older adults
  • Parkview Terrace 1002 SE Park Plaza Dr, Grants Pass 97527 50 homes, 49 low-income · 1 bd: 10 · 2 bd: 28 · 3 bd: 12 · In service since 2016 · For families

See all 17 buildings in Josephine County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Grants Pass

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

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

HUD counseling is free or low-cost

Assistance programs in Grants Pass

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

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

  • Access

    3630 Aviation Way, Medford · 24 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 · 25 miles away

    • Reverse mortgage counseling
    (541) 779-2273

  • Neighborworks Umpqua

    605 SE Kane St, Roseburg · 54 miles away · Spanish

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

All counseling agencies in Oregon

Help in Spanish near Grants Pass

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 Grants Pass

In HUD’s record, no housing authority with an office in Josephine County is named for Grants Pass or Josephine County.

One other authority has an office in Josephine County: see the list Source: HUD

Cities

Nearby cities

The cities closest to Grants Pass, with the typical home value.

Everything about Josephine County Housing in Oregon

Neighboring counties

If Josephine 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 Grants Pass.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Grants Pass

Short answers with the numbers for Grants Pass and all of Josephine 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 Grants Pass?

The typical home value in Grants Pass is $382,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Josephine County it is $404,300.

How much does it cost to rent in Grants Pass?

Typical rent in Grants Pass is $1,217 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Josephine County is $1,331.

What is the FHA loan limit in Grants Pass?

Grants Pass uses the FHA limit for all of Josephine 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 Grants Pass?

The typical homeowner in Grants Pass pays $2,626 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in Josephine County, the rate is 0.52%.

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

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