City · 37,755 residents · Clackamas County, Oregon
Oregon City, Oregon
In Oregon City, a typical home is worth $555,800 and typical rent is $1,708 a month. Compared with all of Clackamas County, the typical home value is 9% lower, typical household income is 5% lower, and the share of households that own their home is 5 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $539,156 to $591,081.
Typical rent
$2,006a month
▲ 2.8% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,687 to $2,006.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Oregon City 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Jennings Lodge, the typical home value is $462,100: 17% less than in Oregon City ($555,800).
2
65% of households in Oregon City own their home, against 71% in Clackamas County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Oregon City
What homes there are in Oregon 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Oregon City
Clackamas County
Oregon
United States
Kind of home: Oregon City and its comparisons
Measure
Oregon City
Clackamas County
Oregon
United States
Detached house
66%
68%
63%
61%
Attached house
7%
5%
5%
6%
Building of 2 to 4
9%
5%
7%
8%
Apartments (5 or more)
16%
17%
18%
19%
Mobile home
2%
6%
7%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
As in Clackamas County, most homes in Oregon City are detached houses (66%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Oregon City
Clackamas County
Oregon
United States
Year built: Oregon City and its comparisons
Measure
Oregon City
Clackamas County
Oregon
United States
Before 1960
17%
16%
23%
26%
1960–1979
24%
28%
26%
24%
1980–1999
26%
30%
25%
25%
2000–2009
20%
14%
14%
14%
2010 or later
13%
13%
12%
11%
Here half of the homes date from 1992 or later; in Clackamas County, from 1985 or later.
Much as in Clackamas County, 69% of homes in Oregon City have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K3%
$100K–$200K1%
$200K–$300KUnreliable
$300K–$500K33%
$500K–$750K51%
$750K–$1M10%
$1M or moreUnreliable
Value of owner-occupied homes: Oregon City and its comparisons
Measure
Oregon City
Under $100K
3%
$100K–$200K
1%
$200K–$300K
Unreliable estimate
$300K–$500K
33%
$500K–$750K
51%
$750K–$1M
10%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9998%
$1,000–$1,49923%
$1,500–$1,99932%
$2,000–$2,49920%
$2,500–$2,999Unreliable
$3,000 or more8%
Monthly rent with utilities: Oregon City and its comparisons
Measure
Oregon City
Under $500
Unreliable estimate
$500–$999
8%
$1,000–$1,499
23%
$1,500–$1,999
32%
$2,000–$2,499
20%
$2,500–$2,999
Unreliable estimate
$3,000 or more
8%
With a mortgage
$2,374 a month
Clackamas County: $2,559 a month
Without a mortgage
$822 a month
Clackamas County: $871 a month
Owners with a mortgage
75%
Clackamas County: 68%
Owning costs less in Oregon City: with a mortgage, the typical cost is $2,374 a month; in Clackamas County, $2,559. Without one, $822.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Oregon City+55%
Clackamas County+55%
Oregon+53%
United States+53%
Typical rent
Oregon City+34%
Clackamas County+36%
Oregon+37%
United States+33%
Typical household income
Oregon City+29%
Clackamas County+29%
Oregon+32%
United States+29%
Change since 2015–2019: Oregon City and its comparisons
Measure
Oregon City
Clackamas County
Oregon
United States
Typical home value
+55%
+55%
+53%
+53%
Typical rent
+34%
+36%
+37%
+33%
Typical household income
+29%
+29%
+32%
+29%
The typical home value in Oregon City rose 55% since 2015–2019, about the same as in Clackamas County (55%).
Much as in Clackamas County, the typical rent in Oregon City rose 34% since 2015–2019.
Here income did not keep up with housing: it rose 29%, while home values changed +55% and rent +34%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Oregon City and its comparisons
Measure
Oregon City
Clackamas County
Oregon
United States
Rental vacancy
7.4%
4.9%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
0.7%
0.9%
More than one person per room
3.9%
2.2%
3.2%
3.4%
People per household
2.64
2.56
2.42
2.53
Drive alone
71%
67%
65%
69%
Carpool
8%
7%
9%
9%
Public transit
2%
1%
2%
3%
Walk or bike
4%
3%
5%
3%
Work from home
15%
21%
19%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
There is more rental housing open in Oregon City: 7.4% is empty and offered for rent, against 4.9% in Clackamas County.
More households are short on space in Oregon City: 3.9% have more than one person per room; in Clackamas County, 2.2%.
Much as in Clackamas County, a household in Oregon City has 2.64 people on average.
To get to work, 71% of workers in Oregon City drive alone; in Clackamas County, 67%.
Do the math
What would you pay each month for a home in Oregon City?
A typical home costs more than the typical income allows
We start with a typical home in Oregon City, worth $555,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Oregon City, which is $97,829 a year. For that payment to be 28% of income, a household would need to earn about $196,172 a year.
The calculator's FHA and conventional loan limits are those of all of Clackamas 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 Oregon City. 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 $19,453 (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
$4,577
at 7.18% · 30 years
Loan amount
$545,733
Total interest
$785,182
Paid off in
November 2056
Includes $9,386 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,283 a month
Tight
$2,283 to $2,935 a month
Hard
more than $2,935 a month
Your payment · 56%
Compared with the typical household income in Oregon City ($97,829 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,697
Property tax
$403
Home insurance
$232
FHA mortgage insurance (MIP)
$246
You need at least $19,453 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 $4,577; principal and interest $3,697.
The city and its county
Oregon City and Clackamas County
Oregon City 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).
Oregon City
Map of Clackamas County, Oregon, with Oregon City marked. Around it, the neighboring counties.
Oregon City
Clackamas County
Other cities with a page
Oregon City's own numbers
Typical home value
$555,800
Typical monthly rent
$1,708
Typical yearly household income
$97,829
Households that own their home
65%
Effective property tax rate
0.87%
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.
A typical home in Oregon City is worth $555,800: 9% below the county and 16% above Oregon. With the typical household income in Oregon City ($97,829 a year), a typical home costs 5.7 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.
Oregon City5.7 years
Clackamas5.9 years
Oregon5.8 years
United States4.1 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.
Yearly change in FHFA’s price index in Clackamas County, 2016 to 2025
2016: +12.1% +12.1% 2016
2017: +8.5% +8.5% 2017
2018: +6.1% +6.1% 2018
2019: +3.3% +3.3% 2019
2020: +2.9% +2.9% 2020
2021: +13.3% +13.3% 2021
2022: +14.5% +14.5% 2022
2023: +0.9% +0.9% 2023
2024: +2.5% +2.5% 2024
2025: +1.6% +1.6% 2025
Change in FHFA’s price index in Clackamas County, Oregon and the United States
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
Oregon City 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
Oregon City$555,800
Clackamas$611,000
Oregon$477,600
United States$332,700
Typical monthly rent
Oregon City$1,708
Clackamas$1,758
Oregon$1,525
United States$1,413
Typical yearly household income
Oregon City$97,829
Clackamas$103,517
Oregon$83,011
United States$80,734
See the full table
Oregon City next to Clackamas County and Oregon
Measure
Oregon City
Clackamas County
Oregon
U.S.
Typical home value
$555,800 ▼9% below the county
$611,000
$477,600
$332,700
Typical monthly rent
$1,708 ▼3% below the county
$1,758
$1,525
$1,413
Typical yearly household income
$97,829 ▼5% below the county
$103,517
$83,011
$80,734
Households that own their home
65% ▼5 points below the county
71%
63%
65%
Typical yearly property tax
$4,831 ▼7% below the county
$5,171
$3,876
$3,119
Effective property tax rate
0.87% ▲0.02 points above the county
0.85%
0.81%
0.94%
Renters with high rent for their income
52% ▼1 points below the county
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 Oregon City
For a typical $555,800 home in Oregon City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oregon City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,577a month
Least cash to close
Down payment
$19,453
Cash to close
$36,127
Rate
7.18%
Mortgage insurance
FHA MIP · $246
Conventional, 5% down$4,475a month
Down payment
$27,790
Cash to close
$44,464
Rate
7.18%
Mortgage insurance
PMI · $264
Conventional, 20% down, no PMI$3,647a month
Down payment
$111,160
Cash to close
$127,834
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,161a month
Down payment
$83,370
Cash to close
$100,044
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Oregon City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,577
$19,453
$545,733
7.18%
FHA MIP · $246
$36,127
580
Conventional, 5% down
$4,475
$27,790
$528,010
7.18%
PMI · $264
$44,464
620*
Conventional, 20% down, no PMI
$3,647
$111,160
$444,640
7.18%
None
$127,834
620*
ITIN, 15% down (example)
$4,161
$83,370
$472,430
8.18%
None
$100,044
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 Oregon City is $1,708 a month: 3% below the county. In Oregon City, 52% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Clackamas County (Fiscal year 2027)
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 Oregon City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oregon City is in ZIP code 97045.
For 2 bedrooms it is $1,890: $12 more than the fair market rent for Clackamas County ($1,878).
Fair market rent by ZIP code and size in Oregon City, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
97045
$1,540
$1,640
$1,890
$2,570
$3,090
ZIP code2 bd3 bd
97045 $1,890$2,570
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Oregon 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 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 7 buildings with rents for lower incomes in Oregon City. These are the largest.
Kingsberry Heights14290 Marjorie Ln, Oregon City 97045260 low-income homes · In service since 1996 · For families
Oregon City View Manor200 S Longview Way, Oregon City 97045100 low-income homes · Run by Housing Authority of Clackamas County · Average payment: $415 a month(503) 655-8267
Oregon City Terrace600 May St, Oregon City 9704548 homes, 47 low-income · For families(503) 655-2747
Rosewood Terrace235 Pearl St, Oregon City 9704538 low-income homes · 2 bd: 36 · 3 bd: 2 · In service since 2009 · For families(503) 650-0971
Fisher Ridge Apartments129 Morton Rd, Oregon City 9704519 homes, 18 low-income · For people with disabilities(503) 655-3130
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.
No down payment, repair or rent-help program on our list is for Oregon City or Clackamas County. The ones below are statewide in Oregon: they work in Oregon City 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 Oregon City or Clackamas 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 Oregon City 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 Oregon City?
The typical home value in Oregon City is $555,800, 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 Oregon City?
Typical rent in Oregon City is $1,708 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 Oregon City?
Oregon City 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 Oregon City?
The typical homeowner in Oregon City pays $4,831 a year, according to the U.S. Census Bureau. That is 0.87% of the home’s value; in Clackamas County, the rate is 0.85%.
Where can I find free help to buy or rent in Oregon City?
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.
