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City · 8,179 residents · Columbia County, Oregon

Scappoose , Oregon

In Scappoose, a typical home is worth $455,700 and typical rent is $1,750 a month. Compared with all of Columbia County, typical rent is 27% higher and typical household income is 12% higher.

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  • Typical home value

    $455,700

    8% above the county

    5% below Oregon

    • Scappoose
    • Columbia
    • Oregon

  • Typical rent

    $1,750a month

    27% above the county

    15% above Oregon

    • Scappoose
    • Columbia
    • Oregon

  • Typical household income

    $97,708a year

    12% above the county

    18% above Oregon

    • Scappoose
    • Columbia
    • Oregon

  • Households that own their home

    75%

    2 points below the county

    11 points above Oregon

    • Scappoose
    • Columbia
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$479,059
1.5% less than 12 months ago
Typical rent
$1,584 a month

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

Scappoose is in Columbia 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 Columbia County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Scappoose apart

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

  1. The typical rent in Scappoose is $1,750 a month, 27% more than in Columbia County as a whole ($1,373).

  2. Nearby, in St. Helens, the typical rent is $1,413: 19% less than in Scappoose ($1,750).

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

The homes here

Housing in Scappoose

What homes there are in Scappoose, 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 Scappoose, 8 in 10 homes are single-family detached houses; in Columbia County, 7.

Year built

The typical home in Scappoose was built in 1991, 10 years after the typical one in Columbia 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

$1,955 a month

Columbia County: $1,886 a month

Without a mortgage

$701 a month

Columbia County: $637 a month

Owners with a mortgage

67%

Columbia County: 67%

The typical cost for an owner with a mortgage in Scappoose is $1,955 a month, near the figure in Columbia County ($1,886).

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

Homes in Scappoose gained value more slowly than in Columbia County: 53% since 2015–2019, against 59%.

Rents in Scappoose rose more slowly than in Columbia County: 40% since 2015–2019, against 49%.

The typical household income in Scappoose rose 22%: less than home values (+53%) and rent (+40%).

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

MeasureScappooseColumbia 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 estimate2.4%3.2%3.4%
People per household 2.562.532.422.53
Drive alone 72%71%65%69%
Carpool Unreliable estimate14%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate3%5%3%
Work from home 14%12%19%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

A household in Scappoose has 2.56 people on average, about the same as in Columbia County (2.53).

To get to work, 72% of workers in Scappoose drive alone; in Columbia 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 Scappoose?

A typical home costs more than the typical income allows

We start with a typical home in Scappoose, worth $455,700, 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 Scappoose, which is $97,708 a year. For that payment to be 28% of income, a household would need to earn about $160,353 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Scappoose. 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 $15,950 (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

$3,742

at 7.18% · 30 years

Loan amount
$447,446
Total interest
$643,769
Paid off in
November 2056

Includes $7,696 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,280 a month

  • Tight

    $2,280 to $2,931 a month

  • Hard

    more than $2,931 a month

    Your payment · 46%

Compared with the typical household income in Scappoose ($97,708 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,742
Principal & interest$3,031
Property tax$319
Home insurance$190
FHA mortgage insurance (MIP)$202

You need at least $15,950 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

Scappoose and Columbia County

Scappoose is in Columbia 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).

Scappoose's own numbers

Typical home value
$455,700
Typical monthly rent
$1,750
Typical yearly household income
$97,708
Households that own their home
75%
Effective property tax rate
0.84%

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

Numbers for all of Columbia 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)
+35%
Homes in a high flood-risk zone
7.2%

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 Columbia County.

Everything about Columbia County

Buying

Buying a home in Scappoose

A typical home in Scappoose is worth $455,700: 8% above the county and 5% below Oregon. With the typical household income in Scappoose ($97,708 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.

  • Scappoose 4.7 years
  • Columbia 4.8 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Columbia County

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

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

Period County Oregon U.S.
Last year (2025) +0.2% +0.9% +2.9%
5 years (2020–2025) +35% +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

Scappoose next to Columbia 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
  • Scappoose $455,700
  • Columbia $421,600
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Scappoose $1,750
  • Columbia $1,373
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Scappoose $97,708
  • Columbia $87,458
  • Oregon $83,011
  • United States $80,734
See the full table
Scappoose next to Columbia County and Oregon
Measure Scappoose Columbia County Oregon U.S.
Typical home value $455,700 $421,600 $477,600 $332,700
Typical monthly rent $1,750 $1,373 $1,525 $1,413
Typical yearly household income $97,708 $87,458 $83,011 $80,734
Households that own their home 75% 76% 63% 65%
Typical yearly property tax $3,834 $3,137 $3,876 $3,119
Effective property tax rate 0.84% 0.74% 0.81% 0.94%
Renters with high rent for their income 53% 54% 52% 51%

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

For a typical $455,700 home in Scappoose, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Scappoose's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,742a month

    Least cash to close
    Down payment
    $15,950
    Cash to close
    $29,621
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $202

  • Conventional, 5% down $3,658a month

    Down payment
    $22,785
    Cash to close
    $36,456
    Rate
    7.18%
    Mortgage insurance
    PMI · $216

  • Conventional, 20% down, no PMI $2,979a month

    Down payment
    $91,140
    Cash to close
    $104,811
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,400a month

    Down payment
    $68,355
    Cash to close
    $82,026
    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 Scappoose and for Columbia County.

Property tax

Effective rate in Scappoose

0.84%of the home’s value each year

$3,834 a year for the typical owner in Scappoose.

  • Scappoose 0.84%
  • Columbia 0.74%
  • 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 Columbia County

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

Homes in the high-risk zone
7.2%
1,737
Of those, with NFIP insurance
22%
County Oregon U.S.
Homes in the high-risk zone 7.2% 2.8% 3.5%
Of those, with NFIP insurance 22% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Scappoose

Typical rent in Scappoose is $1,750 a month: 27% above the county. In Scappoose, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Columbia 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 Columbia 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 Scappoose

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Scappoose is in ZIP code 97056.

For 2 bedrooms it is $1,870: $8 less than the fair market rent for Columbia County ($1,878).

  • 97056 $1,870$2,540

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

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 Columbia County. The nearest ones are below; many serve by phone or online.

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 Scappoose

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

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

  • Portland Community Reinvestment Initiatives, Inc

    6329 NE Mlk Jr Blvd, Portland · 17 miles away · Spanish

    Also serves in French, other languages, Russian, and Swahili.

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (503) 288-2923

  • Bienestar

    448 S 1st Ave Ste 100, Hillsboro · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (503) 693-2937

  • OPEN DOOR COUNSELING CENTER DBA Open Door Housingworks

    34420 SW Tualatin Valley Hwy, Hillsboro · 18 miles away · Spanish

    Also serves in Polish, Russian, and Ukrainian.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (503) 748-0407

All counseling agencies in Oregon

Help in Spanish near Scappoose

3 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 Scappoose

HUD lists no housing authority with an office in Columbia County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Oregon Source: HUD

Cities

Other cities in Columbia County

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

Everything about Columbia County Housing in Oregon

Nearby cities

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

Neighboring counties

If Columbia 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 Scappoose.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Scappoose

Short answers with the numbers for Scappoose and all of Columbia 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 Scappoose?

The typical home value in Scappoose is $455,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Columbia County it is $421,600.

How much does it cost to rent in Scappoose?

Typical rent in Scappoose is $1,750 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Columbia County is $1,878.

What is the FHA loan limit in Scappoose?

Scappoose uses the FHA limit for all of Columbia 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 Scappoose?

The typical homeowner in Scappoose pays $3,834 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in Columbia County, the rate is 0.74%.

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

We found no HUD-approved counseling agencies with an office in Columbia County; the nearest ones are on this page. 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).