In Newport, a typical home is worth $441,400 and typical rent is $1,241 a month. Compared with all of Lincoln County, the typical home value is 7% higher and the share of households that own their home is 13 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $391,498 to $445,442.
Typical rent
$2,268a month
Typical rent from Zillow, December 2025 to September 2026: from $2,175 to $2,268.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Newport 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
What this place has that others do not, from public data, most unusual first.
1
58% of households in Newport own their home, against 72% in Lincoln County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Newport
What homes there are in Newport, 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
Newport
Lincoln County
Oregon
United States
Kind of home: Newport and its comparisons
Measure
Newport
Lincoln County
Oregon
United States
Detached house
50%
66%
63%
61%
Attached house
8%
4%
5%
6%
Building of 2 to 4
17%
6%
7%
8%
Apartments (5 or more)
16%
9%
18%
19%
Mobile home
8%
13%
7%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
Homes in Newport are varied: detached houses are the largest group, at 50%, against 66% in Lincoln County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Newport
Lincoln County
Oregon
United States
Year built: Newport and its comparisons
Measure
Newport
Lincoln County
Oregon
United States
Before 1960
21%
21%
23%
26%
1960–1979
32%
28%
26%
24%
1980–1999
29%
30%
25%
25%
2000–2009
10%
12%
14%
14%
2010 or later
8%
10%
12%
11%
In Newport, half of the homes were built before 1979; in Lincoln County, before 1981.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K7%
$100K–$200K9%
$200K–$300K12%
$300K–$500K34%
$500K–$750K21%
FHA limit: $541,287
$750K–$1M11%
$1M or more6%
Value of owner-occupied homes: Newport and its comparisons
Measure
Newport
Under $100K
7%
$100K–$200K
9%
$200K–$300K
12%
$300K–$500K
34%
$500K–$750K
21%
$750K–$1M
11%
$1M or more
6%
About 65% of owner-occupied homes in Newport are worth less than the FHA loan limit for Lincoln County ($541,287); the rest are worth more.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99918%
$1,000–$1,49945%
$1,500–$1,99922%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Newport and its comparisons
Measure
Newport
Under $500
Unreliable estimate
$500–$999
18%
$1,000–$1,499
45%
$1,500–$1,999
22%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,064 a month
Lincoln County: $1,785 a month
Without a mortgage
$736 a month
Lincoln County: $649 a month
Owners with a mortgage
49%
Lincoln County: 54%
Owning costs more in Newport: with a mortgage, the typical cost is $2,064 a month; in Lincoln County, $1,785. Without one, $736.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Newport+71%
Lincoln County+64%
Oregon+53%
United States+53%
Typical rent
Newport+39%
Lincoln County+30%
Oregon+37%
United States+33%
Typical household income
Newport+24%
Lincoln County+32%
Oregon+32%
United States+29%
Change since 2015–2019: Newport and its comparisons
Measure
Newport
Lincoln County
Oregon
United States
Typical home value
+71%
+64%
+53%
+53%
Typical rent
+39%
+30%
+37%
+33%
Typical household income
+24%
+32%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Newport rose 71%; in Lincoln County, it rose 64%.
Since 2015–2019, the typical rent in Newport rose 39%, more than in Lincoln County (30%).
Housing prices ran ahead of income in Newport: typical income rose 24%, against +71% for home values and +39% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Newport and its comparisons
Measure
Newport
Lincoln County
Oregon
United States
Rental vacancy
Unreliable estimate
9.5%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.7%
0.9%
More than one person per room
Unreliable estimate
2.6%
3.2%
3.4%
People per household
2.06
2.18
2.42
2.53
Drive alone
70%
71%
65%
69%
Carpool
12%
11%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
2%
3%
Walk or bike
6%
4%
5%
3%
Work from home
12%
14%
19%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Newport has 2.06 people, fewer than in Lincoln County (2.18).
The car rules in Newport: 70% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Newport?
A typical home costs more than the typical income allows
We start with a typical home in Newport, worth $441,400, 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 Newport, which is $60,568 a year. For that payment to be 28% of income, a household would need to earn about $157,686 a year.
The calculator's FHA and conventional loan limits are those of all of Lincoln 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 Newport. 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 $15,449 (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
$3,679
at 7.18% · 30 years
Loan amount
$433,405
Total interest
$623,568
Paid off in
November 2056
Includes $7,454 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,413 a month
Tight
$1,413 to $1,817 a month
Hard
more than $1,817 a month
Your payment · 73%
Compared with the typical household income in Newport ($60,568 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,936
Property tax
$364
Home insurance
$184
FHA mortgage insurance (MIP)
$195
You need at least $15,449 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 $3,679; principal and interest $2,936.
The city and its county
Newport and Lincoln County
Newport 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).
Newport
Map of Lincoln County, Oregon, with Newport marked. Around it, the neighboring counties.
Newport
Lincoln County
Other cities with a page
Newport's own numbers
Typical home value
$441,400
Typical monthly rent
$1,241
Typical yearly household income
$60,568
Households that own their home
58%
Effective property tax rate
0.99%
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.
A typical home in Newport is worth $441,400: 7% above the county and 8% below Oregon. With the typical household income in Newport ($60,568 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.
Newport7.3 years
Lincoln6.5 years
Oregon5.8 years
United States4.1 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.
Yearly change in FHFA’s price index in Lincoln County, 2016 to 2025
2016: +6.4% +6.4% 2016
2017: +6.7% +6.7% 2017
2018: +9.7% +9.7% 2018
2019: +7.9% +7.9% 2019
2020: +5.0% +5.0% 2020
2021: +17.6% +17.6% 2021
2022: +18.9% +18.9% 2022
2023: +3.2% +3.2% 2023
2024: +5.2% +5.2% 2024
2025: −0.4% −0.4% 2025
Change in FHFA’s price index in Lincoln County, Oregon and the United States
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
Newport 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
Newport$441,400
Lincoln$410,800
Oregon$477,600
United States$332,700
Typical monthly rent
Newport$1,241
Lincoln$1,201
Oregon$1,525
United States$1,413
Typical yearly household income
Newport$60,568
Lincoln$63,165
Oregon$83,011
United States$80,734
See the full table
Newport next to Lincoln County and Oregon
Measure
Newport
Lincoln County
Oregon
U.S.
Typical home value
$441,400 ▲7% above the county
$410,800
$477,600
$332,700
Typical monthly rent
$1,241 ▲3% above the county
$1,201
$1,525
$1,413
Typical yearly household income
$60,568 ▼4% below the county
$63,165
$83,011
$80,734
Households that own their home
58% ▼13 points below the county
72%
63%
65%
Typical yearly property tax
$4,366 ▲31% above the county
$3,322
$3,876
$3,119
Effective property tax rate
0.99% ▲0.18 points above the county
0.81%
0.81%
0.94%
Renters with high rent for their income
44% ▼7 points below the county
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 Newport
For a typical $441,400 home in Newport, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Newport's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,679a month
Least cash to close
Down payment
$15,449
Cash to close
$28,691
Rate
7.18%
Mortgage insurance
FHA MIP · $195
Conventional, 5% down$3,598a month
Down payment
$22,070
Cash to close
$35,312
Rate
7.18%
Mortgage insurance
PMI · $210
Conventional, 20% down, no PMI$2,940a month
Down payment
$88,280
Cash to close
$101,522
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,348a month
Down payment
$66,210
Cash to close
$79,452
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Newport
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,679
$15,449
$433,405
7.18%
FHA MIP · $195
$28,691
580
Conventional, 5% down
$3,598
$22,070
$419,330
7.18%
PMI · $210
$35,312
620*
Conventional, 20% down, no PMI
$2,940
$88,280
$353,120
7.18%
None
$101,522
620*
ITIN, 15% down (example)
$3,348
$66,210
$375,190
8.18%
None
$79,452
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 Newport is $1,241 a month: 3% above the county. In Newport, 44% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Lincoln County (Fiscal year 2027)
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 Newport
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Newport has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,420 in 97365 to $1,640 in 97366.
2 of the 2 are above the fair market rent for Lincoln County ($1,400).
Fair market rent by ZIP code and size in Newport, fiscal year 2027.
97365
$1,080
$1,090
$1,420
$1,920
$2,370
97366
$1,250
$1,260
$1,640
$2,260
$2,750
ZIP code2 bd3 bd
97365 $1,420$1,920
97366 $1,640$2,260
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Newport 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 6 buildings with rents for lower incomes in Newport. These are the largest.
Surf View Village121 NE 60th St, Newport 97365110 low-income homes · 1 bd: 24 · 2 bd: 42 · 3 bd: 44 · In service since 2020
Public Housing Properties612 NW 10th St, Newport 97365100 homes, 99 low-income · Run by Housing Authority of Lincoln County · Average payment: $666 a month · Average wait: 21 months(541) 265-5326
Newport Apts125 NW 60th St, Newport 9736552 homes, 51 low-income · 1 bd: 14 · 2 bd: 32 · 3 bd: 6 · In service since 1999 · For older adults, families
Big Creek Point Apts2725 NE Crestview Dr, Newport 9736547 homes, 46 low-income · 1 bd: 41 · 2 bd: 6 · In service since 2001 · For older adults
Salmon Run7035 NE Echo Ct, Newport 9736540 low-income homes · 2 bd: 22 · 3 bd: 18 · In service since 1995
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.
No down payment, repair or rent-help program on our list is for Newport or Lincoln County. The ones below are statewide in Oregon: they work in Newport 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 Newport or Lincoln 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 Newport 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 Newport?
The typical home value in Newport is $441,400, 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 Newport?
Typical rent in Newport is $1,241 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 Newport?
Newport 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 Newport?
The typical homeowner in Newport pays $4,366 a year, according to the U.S. Census Bureau. That is 0.99% of the home’s value; in Lincoln County, the rate is 0.81%.
Where can I find free help to buy or rent in Newport?
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.
