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City · 9,968 residents · Lincoln County, Oregon

Lincoln City , Oregon

In Lincoln City, a typical home is worth $412,700 and typical rent is $1,314 a month. Compared with all of Lincoln County, typical household income is 10% lower, typical rent is 9% higher, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $412,700

    About the same as the county

    14% below Oregon

    • Lincoln City
    • Lincoln
    • Oregon

  • Typical rent

    $1,314a month

    9% above the county

    14% below Oregon

    • Lincoln City
    • Lincoln
    • Oregon

  • Typical household income

    $56,635a year

    10% below the county

    32% below Oregon

    • Lincoln City
    • Lincoln
    • Oregon

  • Households that own their home

    59%

    12 points below the county

    4 points below Oregon

    • Lincoln City
    • Lincoln
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$494,743
0.5% more than 12 months ago
Typical rent
$1,930 a month
9.1% more than 12 months ago

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

Lincoln City is in Lincoln 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 Lincoln County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lincoln City apart

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

  1. Nearby, in Tillamook, the typical home value is $298,800: 28% less than in Lincoln City ($412,700).

  2. 59% of households in Lincoln City own their home, against 72% in Lincoln County.

  3. Nearby, in Monmouth, the typical rent is $1,114: 15% less than in Lincoln City ($1,314).

  4. Lincoln City has the 9th lowest typical household income of the 105 cities in Oregon with more than 5,000 people ($56,635).

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

The homes here

Housing in Lincoln City

What homes there are in Lincoln City, 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 Lincoln City: 70% of homes, more than in Lincoln County (66%).

Year built

The typical year built in Lincoln City is 1982, about the same as in Lincoln County (1981).

In Lincoln City, 50% of homes have 3 bedrooms or more, about the same as in Lincoln County.

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

$1,871 a month

Lincoln County: $1,785 a month

Without a mortgage

$604 a month

Lincoln County: $649 a month

Owners with a mortgage

56%

Lincoln County: 54%

The typical cost for an owner with a mortgage in Lincoln City is $1,871 a month, near the figure in Lincoln County ($1,785).

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 Lincoln City rose 68%; in Lincoln County, it rose 64%.

The typical rent in Lincoln City rose 41% over the same time; in Lincoln County, it rose 30%.

To compare: typical income in Lincoln City rose 44%; the home, +68%; the rent, +41%.

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

MeasureLincoln CityLincoln CountyOregonUnited States
Rental vacancy Unreliable estimate9.5%4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate2.6%3.2%3.4%
People per household 2.162.182.422.53
Drive alone 63%71%65%69%
Carpool 14%11%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike 5%4%5%3%
Work from home 17%14%19%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Lincoln County, a household in Lincoln City has 2.16 people on average.

In Lincoln City, 14% of workers share a car to get to work; in Lincoln County, 11%.

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 Lincoln City?

A typical home costs more than the typical income allows

We start with a typical home in Lincoln City, worth $412,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 73% of the typical household income in Lincoln City, which is $56,635 a year. For that payment to be 28% of income, a household would need to earn about $146,843 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Lincoln City. 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 $14,445 (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

$3,426

at 7.18% · 30 years

Loan amount
$405,224
Total interest
$583,023
Paid off in
November 2056

Includes $6,969 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,321 a month

  • Tight

    $1,321 to $1,699 a month

  • Hard

    more than $1,699 a month

    Your payment · 73%

Compared with the typical household income in Lincoln City ($56,635 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,426
Principal & interest$2,745
Property tax$327
Home insurance$172
FHA mortgage insurance (MIP)$183

You need at least $14,445 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

Lincoln City and Lincoln County

Lincoln City is in Lincoln 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).

Lincoln City's own numbers

Typical home value
$412,700
Typical monthly rent
$1,314
Typical yearly household income
$56,635
Households that own their home
59%
Effective property tax rate
0.95%

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

Numbers for all of Lincoln County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,400
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
7.1%

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 Lincoln County.

Everything about Lincoln County

Buying

Buying a home in Lincoln City

A typical home in Lincoln City is worth $412,700: about the same as the county and 14% below Oregon. With the typical household income in Lincoln City ($56,635 a year), a typical home costs 7.3 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.

  • Lincoln City 7.3 years
  • Lincoln 6.5 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lincoln County

According to FHFA’s house price index, home prices in Lincoln County rose 113% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) −0.4% +0.9% +2.9%
5 years (2020–2025) +51% +35% +47%
10 years (2015–2025) +113% +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

Lincoln City next to Lincoln 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
  • Lincoln City $412,700
  • Lincoln $410,800
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Lincoln City $1,314
  • Lincoln $1,201
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Lincoln City $56,635
  • Lincoln $63,165
  • Oregon $83,011
  • United States $80,734
See the full table
Lincoln City next to Lincoln County and Oregon
Measure Lincoln City Lincoln County Oregon U.S.
Typical home value $412,700 $410,800 $477,600 $332,700
Typical monthly rent $1,314 $1,201 $1,525 $1,413
Typical yearly household income $56,635 $63,165 $83,011 $80,734
Households that own their home 59% 72% 63% 65%
Typical yearly property tax $3,920 $3,322 $3,876 $3,119
Effective property tax rate 0.95% 0.81% 0.81% 0.94%
Renters with high rent for their income 58% 51% 52% 51%

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

For a typical $412,700 home in Lincoln City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lincoln City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,426a month

    Least cash to close
    Down payment
    $14,445
    Cash to close
    $26,826
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $183

  • Conventional, 5% down $3,351a month

    Down payment
    $20,635
    Cash to close
    $33,016
    Rate
    7.18%
    Mortgage insurance
    PMI · $196

  • Conventional, 20% down, no PMI $2,735a month

    Down payment
    $82,540
    Cash to close
    $94,921
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,117a month

    Down payment
    $61,905
    Cash to close
    $74,286
    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 Lincoln City and for Lincoln County.

Property tax

Effective rate in Lincoln City

0.95%of the home’s value each year

$3,920 a year for the typical owner in Lincoln City.

  • Lincoln City 0.95%
  • Lincoln 0.81%
  • 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 Lincoln County

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

Homes in the high-risk zone
7.1%
2,021
Of those, with NFIP insurance
27%
County Oregon U.S.
Homes in the high-risk zone 7.1% 2.8% 3.5%
Of those, with NFIP insurance 27% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lincoln City

Typical rent in Lincoln City is $1,314 a month: 9% above the county. In Lincoln City, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lincoln County, by unit size. To pay the 2-bedroom one ($1,400 a month) without spending more than 30% of your income, you would need to earn $26.92 an hour working full time.

HUD fair market rent for all of Lincoln 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 $1,063 $20.44 $42,520
1 bedroom $1,070 $20.58 $42,800
2 bedrooms $1,400 $26.92 $56,000
3 bedrooms $1,892 $36.38 $75,680
4 bedrooms $2,340 $45.00 $93,600

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 Lincoln City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lincoln City is in ZIP code 97367.

For 2 bedrooms it is $1,530: $130 more than the fair market rent for Lincoln County ($1,400).

  • 97367 $1,530$2,070

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

HUD lists 7 buildings with rents for lower incomes in Lincoln City. These are the largest.

  • Ridge Apts 3232 SE Harbor Dr, Lincoln City 97367 80 low-income homes · In service since 1995 · For families
  • West Devil's Lake Apts 3109 NE 26th St, Lincoln City 97367 50 low-income homes · 1 bd: 4 · 2 bd: 42 · 3 bd: 4 · In service since 2009 · For families (541) 994-6781
  • Surfwood Manor 4545 SW Highway 101, Lincoln City 97367 48 low-income homes · For older adults (541) 996-3477
  • Beacon Crest Apts 2897 NE 47th St, Lincoln City 97367 41 low-income homes · 1 bd: 13 · 2 bd: 10 · 3 bd: 16 · 4 bd: 2 · In service since 2008 · For people with disabilities, families
  • Lincoln Village - Oregon 1 2530 NE 31st St, Lincoln City 97367 38 low-income homes · 1 bd: 18 · 2 bd: 10 · 3 bd: 10 · In service since 2006 · For families (541) 994-8344

See all 13 buildings in Lincoln County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lincoln City

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

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Lincoln City

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

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

  • Housing Authority of Yamhill County

    135 NE Dunn Pl, McMinnville · 44 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (503) 883-4300

  • DevNW

    2525 SE 3rd St, Corvallis · 47 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (541) 752-7220

  • DevNW

    528 Cottage St NE Ste 304, Salem · 48 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (503) 779-2680

All counseling agencies in Oregon

Help in Spanish near Lincoln City

3 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 Lincoln City

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

  • Housing Authority of Lincoln County Public housing and Section 8 vouchers (541) 265-5326

All housing agencies in Oregon Source: HUD

Cities

Other cities in Lincoln County

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

Everything about Lincoln County Housing in Oregon

Nearby cities

The cities closest to Lincoln City, with the typical home value.

Neighboring counties

If Lincoln 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 Lincoln City.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Lincoln City

Short answers with the numbers for Lincoln City and all of Lincoln 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 Lincoln City?

The typical home value in Lincoln City is $412,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lincoln County it is $410,800.

How much does it cost to rent in Lincoln City?

Typical rent in Lincoln City is $1,314 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lincoln County is $1,400.

What is the FHA loan limit in Lincoln City?

Lincoln City uses the FHA limit for all of Lincoln 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 Lincoln City?

The typical homeowner in Lincoln City pays $3,920 a year, according to the U.S. Census Bureau. That is 0.95% of the home’s value; in Lincoln County, the rate is 0.81%.

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

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