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City · 13,294 residents · Clackamas County, Oregon

Oatfield , Oregon

In Oatfield, a typical home is worth $569,000 and typical rent is $1,786 a month. Compared with all of Clackamas County, the typical home value is 7% lower and the share of households that own their home is 15 points higher.

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  • Typical home value

    $569,000

    7% below the county

    19% above Oregon

    • Oatfield
    • Clackamas
    • Oregon

  • Typical rent

    $1,786a month

    About the same as the county

    17% above Oregon

    • Oatfield
    • Clackamas
    • Oregon

  • Typical household income

    $103,224a year

    About the same as the county

    24% above Oregon

    • Oatfield
    • Clackamas
    • Oregon

  • Households that own their home

    85%

    15 points above the county

    22 points above Oregon

    • Oatfield
    • Clackamas
    • Oregon

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

Oatfield is in Clackamas 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 Clackamas County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Oatfield apart

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

  1. Oatfield has the 2nd largest share of rent-burdened renters of the 93 cities in Oregon with more than 5,000 people (70%).

  2. Oatfield has the 3rd highest homeownership rate of the 105 cities in Oregon with more than 5,000 people (85%).

  3. Nearby, in Jennings Lodge, the typical home value is $462,100: 19% less than in Oatfield ($569,000).

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

The homes here

Housing in Oatfield

What homes there are in Oatfield, 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

In Oatfield, 9 in 10 homes are single-family detached houses; in Clackamas County, 7.

Year built

The typical home in Oatfield was built in 1975, 10 years before the typical one in Clackamas County.

There is more room for a big family here: 83% of homes have 3 bedrooms or more, against 68% in Clackamas 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

$2,207 a month

Clackamas County: $2,559 a month

Without a mortgage

$807 a month

Clackamas County: $871 a month

Owners with a mortgage

69%

Clackamas County: 68%

Owning costs less in Oatfield: with a mortgage, the typical cost is $2,207 a month; in Clackamas County, $2,559. Without one, $807.

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 Oatfield rose 55% since 2015–2019, about the same as in Clackamas County (55%).

Much as in Clackamas County, the typical rent in Oatfield rose 38% since 2015–2019.

The typical household income in Oatfield rose 20%: less than home values (+55%) and rent (+38%).

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

MeasureOatfieldClackamas CountyOregonUnited States
Rental vacancy Unreliable estimate4.9%4.2%5.5%
Homeowner vacancy Unreliable estimate0.9%0.7%0.9%
More than one person per room Unreliable estimate2.2%3.2%3.4%
People per household 2.592.562.422.53
Drive alone 69%67%65%69%
Carpool 6%7%9%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate3%5%3%
Work from home 21%21%19%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Oatfield look like those in Clackamas County: 2.59 people on average.

In Oatfield, 69% of workers drive alone to work; in Clackamas County, 67%.

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 Oatfield?

A typical home costs more than the typical income allows

We start with a typical home in Oatfield, worth $569,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Oatfield, which is $103,224 a year. For that payment to be 28% of income, a household would need to earn about $200,628 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Oatfield. 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 $19,915 (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

$4,681

at 7.18% · 30 years

Loan amount
$558,694
Total interest
$803,830
Paid off in
November 2056

Includes $9,609 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,409 a month

  • Tight

    $2,409 to $3,097 a month

  • Hard

    more than $3,097 a month

    Your payment · 54%

Compared with the typical household income in Oatfield ($103,224 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,681
Principal & interest$3,785
Property tax$408
Home insurance$237
FHA mortgage insurance (MIP)$252

You need at least $19,915 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

Oatfield and Clackamas County

Oatfield is in Clackamas 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).

Oatfield's own numbers

Typical home value
$569,000
Typical monthly rent
$1,786
Typical yearly household income
$103,224
Households that own their home
85%
Effective property tax rate
0.86%

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

Numbers for all of Clackamas 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)
+36%
Homes in a high flood-risk zone
1.3%

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 Clackamas County.

Everything about Clackamas County

Buying

Buying a home in Oatfield

A typical home in Oatfield is worth $569,000: 7% below the county and 19% above Oregon. With the typical household income in Oatfield ($103,224 a year), a typical home costs 5.5 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.

  • Oatfield 5.5 years
  • Clackamas 5.9 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Clackamas County

According to FHFA’s house price index, home prices in Clackamas County rose 87% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) +1.6% +0.9% +2.9%
5 years (2020–2025) +36% +35% +47%
10 years (2015–2025) +87% +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

Oatfield next to Clackamas 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
  • Oatfield $569,000
  • Clackamas $611,000
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Oatfield $1,786
  • Clackamas $1,758
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Oatfield $103,224
  • Clackamas $103,517
  • Oregon $83,011
  • United States $80,734
See the full table
Oatfield next to Clackamas County and Oregon
Measure Oatfield Clackamas County Oregon U.S.
Typical home value $569,000 $611,000 $477,600 $332,700
Typical monthly rent $1,786 $1,758 $1,525 $1,413
Typical yearly household income $103,224 $103,517 $83,011 $80,734
Households that own their home 85% 71% 63% 65%
Typical yearly property tax $4,886 $5,171 $3,876 $3,119
Effective property tax rate 0.86% 0.85% 0.81% 0.94%
Renters with high rent for their income 70% 53% 52% 51%

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

For a typical $569,000 home in Oatfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oatfield's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,681a month

    Least cash to close
    Down payment
    $19,915
    Cash to close
    $36,985
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $252

  • Conventional, 5% down $4,577a month

    Down payment
    $28,450
    Cash to close
    $45,520
    Rate
    7.18%
    Mortgage insurance
    PMI · $270

  • Conventional, 20% down, no PMI $3,729a month

    Down payment
    $113,800
    Cash to close
    $130,870
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,255a month

    Down payment
    $85,350
    Cash to close
    $102,420
    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 Oatfield and for Clackamas County.

Property tax

Effective rate in Oatfield

0.86%of the home’s value each year

$4,886 a year for the typical owner in Oatfield.

  • Oatfield 0.86%
  • Clackamas 0.85%
  • 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 Clackamas County

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

Homes in the high-risk zone
1.3%
1,926
Of those, with NFIP insurance
41%
County Oregon U.S.
Homes in the high-risk zone 1.3% 2.8% 3.5%
Of those, with NFIP insurance 41% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Oatfield

Typical rent in Oatfield is $1,786 a month: about the same as the county. In Oatfield, 70% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Clackamas 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 Clackamas 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 Oatfield

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oatfield is in ZIP code 97267.

For 2 bedrooms it is $1,760: $118 less than the fair market rent for Clackamas County ($1,878).

  • 97267 $1,760$2,390

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

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 Clackamas County; 1 says it serves in Spanish.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Oatfield

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

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

  • DevNw

    421 High Street, Suite 110, Oregon City · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (503) 655-8974

  • Housing Options Provided for the Elderly

    5200 Meadows Rd Ste 150, Lake Oswego · 7 miles away

    • Reverse mortgage counseling
    (971) 207-7820

  • 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 Clackamas County All counseling agencies in Oregon

Help in Spanish near Oatfield

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 Oatfield

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

  • Housing Authority of Clackamas County Public housing and Section 8 vouchers (503) 655-8267

All housing agencies in Oregon Source: HUD

Cities

Other cities in Clackamas County

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

Everything about Clackamas County Housing in Oregon
See 2 more cities in Clackamas County, with prices and rents

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

Nearby cities

The cities closest to Oatfield, with the typical home value.

Neighboring counties

If Clackamas 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 Oatfield.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Oatfield

Short answers with the numbers for Oatfield and all of Clackamas 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 Oatfield?

The typical home value in Oatfield is $569,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clackamas County it is $611,000.

How much does it cost to rent in Oatfield?

Typical rent in Oatfield is $1,786 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clackamas County is $1,878.

What is the FHA loan limit in Oatfield?

Oatfield uses the FHA limit for all of Clackamas 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 Oatfield?

The typical homeowner in Oatfield pays $4,886 a year, according to the U.S. Census Bureau. That is 0.86% of the home’s value; in Clackamas County, the rate is 0.85%.

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

There are 2 HUD-approved counseling agencies with an office in Clackamas County. 1 says it serves 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).