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City · 23,778 residents · Douglas County, Oregon

Roseburg , Oregon

In Roseburg, a typical home is worth $289,800 and typical rent is $1,063 a month. Compared with all of Douglas County, typical household income is 12% lower, the typical home value is 7% lower, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $289,800

    7% below the county

    39% below Oregon

    • Roseburg
    • Douglas
    • Oregon

  • Typical rent

    $1,063a month

    About the same as the county

    30% below Oregon

    • Roseburg
    • Douglas
    • Oregon

  • Typical household income

    $53,918a year

    12% below the county

    35% below Oregon

    • Roseburg
    • Douglas
    • Oregon

  • Households that own their home

    54%

    19 points below the county

    10 points below Oregon

    • Roseburg
    • Douglas
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$359,768
about the same as 12 months ago
Typical rent
$1,434 a month
0.7% less than 12 months ago

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

Roseburg is in Douglas 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 Douglas County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Roseburg apart

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

  1. 54% of households in Roseburg own their home, against 73% in Douglas County.

  2. Roseburg has the 7th lowest typical household income of the 105 cities in Oregon with more than 5,000 people ($53,918).

  3. Nearby, in Winston, the typical home value is $244,100: 16% less than in Roseburg ($289,800).

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

The homes here

Housing in Roseburg

What homes there are in Roseburg, 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 houses are the majority in Roseburg (61%), but less so than in Douglas County (68%).

Year built

The typical home in Roseburg was built in 1971, 6 years before the typical one in Douglas County.

There are fewer big homes in Roseburg than in Douglas County: 48% have 3 bedrooms or more, against 62%.

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

The FHA loan limit for Douglas County is $541,287, and about 94% of owner-occupied homes in Roseburg are worth less than that.

Monthly rent with utilities

About 60% of rented homes in Roseburg cost less than HUD's 2-bedroom fair market rent for Douglas County ($1,212); the rest cost more.

With a mortgage

$1,590 a month

Douglas County: $1,553 a month

Without a mortgage

$531 a month

Douglas County: $518 a month

Owners with a mortgage

55%

Douglas County: 52%

The typical cost for an owner with a mortgage in Roseburg is $1,590 a month, near the figure in Douglas County ($1,553).

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 Roseburg rose 48% since 2015–2019, less than in Douglas County (56%).

The typical rent in Roseburg rose 25% since 2015–2019, about the same as in Douglas County (28%).

Housing prices ran ahead of income in Roseburg: typical income rose 20%, against +48% for home values and +25% for rent.

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

MeasureRoseburgDouglas CountyOregonUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate2.1%3.2%3.4%
People per household 2.282.312.422.53
Drive alone 73%71%65%69%
Carpool 11%12%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate3%5%3%
Work from home 12%12%19%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

By size, households in Roseburg look like those in Douglas County: 2.28 people on average.

To get to work, 73% of workers in Roseburg drive alone; in Douglas County, 71%.

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 Roseburg?

A typical home costs more than the typical income allows

We start with a typical home in Roseburg, worth $289,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Roseburg, which is $53,918 a year. For that payment to be 28% of income, a household would need to earn about $101,976 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Roseburg. 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 $10,143 (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

$2,379

at 7.18% · 30 years

Loan amount
$284,551
Total interest
$409,402
Paid off in
November 2056

Includes $4,894 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,258 a month

  • Tight

    $1,258 to $1,618 a month

  • Hard

    more than $1,618 a month

    Your payment · 53%

Compared with the typical household income in Roseburg ($53,918 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,379
Principal & interest$1,928
Property tax$203
Home insurance$121
FHA mortgage insurance (MIP)$128

You need at least $10,143 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

Roseburg and Douglas County

Roseburg is in Douglas 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).

Roseburg's own numbers

Typical home value
$289,800
Typical monthly rent
$1,063
Typical yearly household income
$53,918
Households that own their home
54%
Effective property tax rate
0.84%

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

Numbers for all of Douglas County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,212
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
8.1%

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 Douglas County.

Everything about Douglas County

Buying

Buying a home in Roseburg

A typical home in Roseburg is worth $289,800: 7% below the county and 39% below Oregon. With the typical household income in Roseburg ($53,918 a year), a typical home costs 5.4 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.

  • Roseburg 5.4 years
  • Douglas 5.1 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Douglas County

According to FHFA’s house price index, home prices in Douglas County rose 98% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) +1.7% +0.9% +2.9%
5 years (2020–2025) +45% +35% +47%
10 years (2015–2025) +98% +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

Roseburg next to Douglas 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
  • Roseburg $289,800
  • Douglas $310,300
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Roseburg $1,063
  • Douglas $1,055
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Roseburg $53,918
  • Douglas $61,310
  • Oregon $83,011
  • United States $80,734
See the full table
Roseburg next to Douglas County and Oregon
Measure Roseburg Douglas County Oregon U.S.
Typical home value $289,800 $310,300 $477,600 $332,700
Typical monthly rent $1,063 $1,055 $1,525 $1,413
Typical yearly household income $53,918 $61,310 $83,011 $80,734
Households that own their home 54% 73% 63% 65%
Typical yearly property tax $2,440 $1,895 $3,876 $3,119
Effective property tax rate 0.84% 0.61% 0.81% 0.94%
Renters with high rent for their income 55% 51% 52% 51%

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

For a typical $289,800 home in Roseburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Roseburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,379a month

    Least cash to close
    Down payment
    $10,143
    Cash to close
    $18,837
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $128

  • Conventional, 5% down $2,326a month

    Down payment
    $14,490
    Cash to close
    $23,184
    Rate
    7.18%
    Mortgage insurance
    PMI · $138

  • Conventional, 20% down, no PMI $1,894a month

    Down payment
    $57,960
    Cash to close
    $66,654
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,162a month

    Down payment
    $43,470
    Cash to close
    $52,164
    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 Roseburg and for Douglas County.

Property tax

Effective rate in Roseburg

0.84%of the home’s value each year

$2,440 a year for the typical owner in Roseburg.

  • Roseburg 0.84%
  • Douglas 0.61%
  • 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 Douglas County

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

Homes in the high-risk zone
8.1%
3,871
Of those, with NFIP insurance
20%
County Oregon U.S.
Homes in the high-risk zone 8.1% 2.8% 3.5%
Of those, with NFIP insurance 20% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Roseburg

Typical rent in Roseburg is $1,063 a month: about the same as the county. In Roseburg, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Douglas County, by unit size. To pay the 2-bedroom one ($1,212 a month) without spending more than 30% of your income, you would need to earn $23.31 an hour working full time.

HUD fair market rent for all of Douglas 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 $844 $16.23 $33,760
1 bedroom $926 $17.81 $37,040
2 bedrooms $1,212 $23.31 $48,480
3 bedrooms $1,678 $32.27 $67,120
4 bedrooms $2,026 $38.96 $81,040

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 Roseburg

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

For 2 bedrooms it runs from $1,200 in 97470 to $1,360 in 97471.

1 of the 2 is above the fair market rent for Douglas County ($1,212).

  • 97470 $1,200$1,660
  • 97471 $1,360$1,880

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

HUD lists 15 buildings with rents for lower incomes in Roseburg. These are the largest.

  • Rose Villa Apts 2525 NE Stephens St, Roseburg 97470 91 low-income homes · Studio: 30 · 1 bd: 25 · 2 bd: 32 · 3 bd: 4 · In service since 2000 · For families
  • Vine Street Courts Phases I & II 2166 NE Vine St, Roseburg 97470 70 low-income homes · In service since 1997 · For families
  • Orchard Knoll 1401 NW Veterans Way, Roseburg 97471 65 low-income homes · Studio: 64 · 2 bd: 1 · In service since 2001 · For people experiencing homelessness
  • Eagle Landing 913 NW Garden Valley Blvd, Roseburg 97471 55 homes, 54 low-income · 1 bd: 44 · 2 bd: 8 · 3 bd: 3 · In service since 2013 · For people experiencing homelessness
  • Brookside CT Apts (ROSEBURG) 1623 NE Vine St, Roseburg 97470 50 homes, 49 low-income · Studio: 24 · 1 bd: 26 · In service since 2012 · For older adults (541) 673-4340

See all 31 buildings in Douglas County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Roseburg

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 is 1 HUD-approved agency with an office in Douglas County; 1 says it serves in Spanish.

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 Roseburg

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

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

  • Neighborworks Umpqua

    605 SE Kane St, Roseburg · 1 miles away · Spanish

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

  • DevNW

    212 Main St, Springfield · 59 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (541) 345-7106

  • Access

    3630 Aviation Way, Medford · 64 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (541) 779-6691

Every agency in Douglas County All counseling agencies in Oregon

Help in Spanish near Roseburg

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 Roseburg

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

  • Housing Authority of Douglas County Public housing and Section 8 vouchers (541) 673-6548

All housing agencies in Oregon Source: HUD

Cities

Other cities in Douglas County

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

Everything about Douglas County Housing in Oregon

Nearby cities

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

Neighboring counties

If Douglas 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 Roseburg.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Roseburg

Short answers with the numbers for Roseburg and all of Douglas 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 Roseburg?

The typical home value in Roseburg is $289,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Douglas County it is $310,300.

How much does it cost to rent in Roseburg?

Typical rent in Roseburg is $1,063 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Douglas County is $1,212.

What is the FHA loan limit in Roseburg?

Roseburg uses the FHA limit for all of Douglas 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 Roseburg?

The typical homeowner in Roseburg pays $2,440 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in Douglas County, the rate is 0.61%.

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

There is 1 HUD-approved counseling agency with an office in Douglas 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).