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City · 10,551 residents · Lane County, Oregon

Santa Clara , Oregon

In Santa Clara, a typical home is worth $415,100 and typical rent is $1,706 a month. Compared with all of Lane County, typical rent is 26% higher, typical household income is 23% higher, and the share of households that own their home is 20 points higher.

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  • Typical home value

    $415,100

    4% below the county

    13% below Oregon

    • Santa Clara
    • Lane
    • Oregon

  • Typical rent

    $1,706a month

    26% above the county

    12% above Oregon

    • Santa Clara
    • Lane
    • Oregon

  • Typical household income

    $88,344a year

    23% above the county

    6% above Oregon

    • Santa Clara
    • Lane
    • Oregon

  • Households that own their home

    80%

    20 points above the county

    17 points above Oregon

    • Santa Clara
    • Lane
    • Oregon

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

Santa Clara is in Lane 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 Lane County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Santa Clara apart

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

  1. 80% of households in Santa Clara own their home, against 60% in Lane County.

  2. Santa Clara has the 5th smallest share of rent-burdened renters of the 93 cities in Oregon with more than 5,000 people (39%).

  3. Nearby, in Springfield, the typical rent is $1,258: 26% less than in Santa Clara ($1,706).

  4. The typical rent in Santa Clara is $1,706 a month, 26% more than in Lane County as a whole ($1,355).

  5. The typical household income in Santa Clara is $88,344, 23% more than in Lane County as a whole ($71,544).

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

The homes here

Housing in Santa Clara

What homes there are in Santa Clara, 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, standing on their own, make up 93% of homes here, against 61% in Lane County.

Year built

The typical home in Santa Clara was built in 1969, 8 years before the typical one in Lane 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

$1,802 a month

Lane County: $1,949 a month

Without a mortgage

$587 a month

Lane County: $642 a month

Owners with a mortgage

68%

Lane County: 62%

Owning costs less in Santa Clara: with a mortgage, the typical cost is $1,802 a month; in Lane County, $1,949. Without one, $587.

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 boundaries of Santa Clara changed since 2015–2019, so the Census does not compare its figures from then and now. In Lane County, the typical home value rose 64%.

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

MeasureSanta ClaraLane CountyOregonUnited States
Rental vacancy Unreliable estimate3.2%4.2%5.5%
Homeowner vacancy Unreliable estimate0.8%0.7%0.9%
More than one person per room Unreliable estimate2.6%3.2%3.4%
People per household 2.412.332.422.53
Drive alone 68%66%65%69%
Carpool 7%9%9%9%
Public transit Unreliable estimate2%2%3%
Walk or bike Unreliable estimate7%5%3%
Work from home 20%16%19%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

A household in Santa Clara has 2.41 people on average, about the same as in Lane County (2.33).

In Santa Clara, 20% of workers work from home, more than in Lane County (16%).

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 Santa Clara?

A typical home costs more than the typical income allows

We start with a typical home in Santa Clara, worth $415,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Santa Clara, which is $88,344 a year. For that payment to be 28% of income, a household would need to earn about $143,695 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Santa Clara. 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 $14,529 (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

$3,353

at 7.18% · 30 years

Loan amount
$407,581
Total interest
$586,413
Paid off in
November 2056

Includes $7,010 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,061 a month

  • Tight

    $2,061 to $2,650 a month

  • Hard

    more than $2,650 a month

    Your payment · 46%

Compared with the typical household income in Santa Clara ($88,344 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,353
Principal & interest$2,761
Property tax$235
Home insurance$173
FHA mortgage insurance (MIP)$184

You need at least $14,529 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

Santa Clara and Lane County

Santa Clara is in Lane 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).

Santa Clara's own numbers

Typical home value
$415,100
Typical monthly rent
$1,706
Typical yearly household income
$88,344
Households that own their home
80%
Effective property tax rate
0.68%

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

Numbers for all of Lane County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,546
Price change over 5 years (FHFA)
+41%
Homes in a high flood-risk zone
6.6%

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 Lane County.

Everything about Lane County

Buying

Buying a home in Santa Clara

A typical home in Santa Clara is worth $415,100: 4% below the county and 13% below Oregon. With the typical household income in Santa Clara ($88,344 a year), a typical home costs 4.7 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.

  • Santa Clara 4.7 years
  • Lane 6.0 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lane County

According to FHFA’s house price index, home prices in Lane County rose 101% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) +1.2% +0.9% +2.9%
5 years (2020–2025) +41% +35% +47%
10 years (2015–2025) +101% +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

Santa Clara next to Lane 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
  • Santa Clara $415,100
  • Lane $430,600
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Santa Clara $1,706
  • Lane $1,355
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Santa Clara $88,344
  • Lane $71,544
  • Oregon $83,011
  • United States $80,734
See the full table
Santa Clara next to Lane County and Oregon
Measure Santa Clara Lane County Oregon U.S.
Typical home value $415,100 $430,600 $477,600 $332,700
Typical monthly rent $1,706 $1,355 $1,525 $1,413
Typical yearly household income $88,344 $71,544 $83,011 $80,734
Households that own their home 80% 60% 63% 65%
Typical yearly property tax $2,841 $3,536 $3,876 $3,119
Effective property tax rate 0.68% 0.82% 0.81% 0.94%
Renters with high rent for their income 39% 55% 52% 51%

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

For a typical $415,100 home in Santa Clara, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Santa Clara's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,353a month

    Least cash to close
    Down payment
    $14,529
    Cash to close
    $26,982
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $184

  • Conventional, 5% down $3,277a month

    Down payment
    $20,755
    Cash to close
    $33,208
    Rate
    7.18%
    Mortgage insurance
    PMI · $197

  • Conventional, 20% down, no PMI $2,658a month

    Down payment
    $83,020
    Cash to close
    $95,473
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,042a month

    Down payment
    $62,265
    Cash to close
    $74,718
    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 Santa Clara and for Lane County.

Property tax

Effective rate in Santa Clara

0.68%of the home’s value each year

$2,841 a year for the typical owner in Santa Clara.

  • Santa Clara 0.68%
  • Lane 0.82%
  • 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 Lane County

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

Homes in the high-risk zone
6.6%
9,402
Of those, with NFIP insurance
16%
County Oregon U.S.
Homes in the high-risk zone 6.6% 2.8% 3.5%
Of those, with NFIP insurance 16% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Santa Clara

Typical rent in Santa Clara is $1,706 a month: 26% above the county. In Santa Clara, 39% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lane County, by unit size. To pay the 2-bedroom one ($1,546 a month) without spending more than 30% of your income, you would need to earn $29.73 an hour working full time.

HUD fair market rent for all of Lane 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 $1,157 $22.25 $46,280
1 bedroom $1,182 $22.73 $47,280
2 bedrooms $1,546 $29.73 $61,840
3 bedrooms $2,141 $41.17 $85,640
4 bedrooms $2,584 $49.69 $103,360

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 Santa Clara

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Santa Clara is in ZIP code 97404.

For 2 bedrooms it is $1,730: $184 more than the fair market rent for Lane County ($1,546).

  • 97404 $1,730$2,400

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

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 Lane County; none says it serves in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Santa Clara

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

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

  • DevNW

    212 Main St, Springfield · 7 miles away

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

  • DevNW

    2525 SE 3rd St, Corvallis · 30 miles away · Spanish

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

  • DevNW

    528 Cottage St NE Ste 304, Salem · 57 miles away · Spanish

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

Every agency in Lane County All counseling agencies in Oregon

Help in Spanish near Santa Clara

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 Santa Clara

In HUD’s record, no housing authority with an office in Lane County is named for Santa Clara or Lane County.

One other authority has an office in Lane County: see the list Source: HUD

Cities

Other cities in Lane County

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

Everything about Lane County Housing in Oregon

Nearby cities

The cities closest to Santa Clara, with the typical home value.

Neighboring counties

If Lane 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 Santa Clara.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Santa Clara

Short answers with the numbers for Santa Clara and all of Lane 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 Santa Clara?

The typical home value in Santa Clara is $415,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lane County it is $430,600.

How much does it cost to rent in Santa Clara?

Typical rent in Santa Clara is $1,706 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lane County is $1,546.

What is the FHA loan limit in Santa Clara?

Santa Clara uses the FHA limit for all of Lane 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 Santa Clara?

The typical homeowner in Santa Clara pays $2,841 a year, according to the U.S. Census Bureau. That is 0.68% of the home’s value; in Lane County, the rate is 0.82%.

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

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