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City · 7,192 residents · Clatsop County, Oregon

Seaside , Oregon

In Seaside, a typical home is worth $459,500 and typical rent is $1,083 a month. Compared with all of Clatsop County, typical household income is 34% lower, typical rent is 8% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $459,500

    About the same as the county

    4% below Oregon

    • Seaside
    • Clatsop
    • Oregon

  • Typical rent

    $1,083a month

    8% below the county

    29% below Oregon

    • Seaside
    • Clatsop
    • Oregon

  • Typical household income

    $47,361a year

    34% below the county

    43% below Oregon

    • Seaside
    • Clatsop
    • Oregon

  • Households that own their home

    48%

    15 points below the county

    15 points below Oregon

    • Seaside
    • Clatsop
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$469,942
about the same as 12 months ago
Typical rent
$1,812 a month

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

Seaside is in Clatsop County. The FHA loan limit ($563,500 for a one-unit home), the fair market rents and the help on this page are those of all of Clatsop County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Seaside apart

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

  1. Seaside has the 3rd lowest typical household income of the 105 cities in Oregon with more than 5,000 people ($47,361).

  2. Nearby, in Tillamook, the typical home value is $298,800: 35% less than in Seaside ($459,500).

  3. 48% of households in Seaside own their home, against 63% in Clatsop County.

  4. Seaside has the 7th largest share of rent-burdened renters of the 93 cities in Oregon with more than 5,000 people (61%).

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

The homes here

Housing in Seaside

What homes there are in Seaside, 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 Seaside, 6 in 10 homes are single-family detached houses; in Clatsop County, 7.

Year built

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

$1,626 a month

Clatsop County: $1,988 a month

Without a mortgage

$702 a month

Clatsop County: $636 a month

Owners with a mortgage

61%

Clatsop County: 61%

Owning costs less in Seaside: with a mortgage, the typical cost is $1,626 a month; in Clatsop County, $1,988. Without one, $702.

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

From 2015–2019 to 2020–2024, the typical home value in Seaside rose 48%; in Clatsop County, it rose 65%.

Since 2015–2019, the typical rent in Seaside rose 15%, less than in Clatsop County (27%).

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

MeasureSeasideClatsop 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 1.942.262.422.53
Drive alone 66%70%65%69%
Carpool Unreliable estimate10%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike 13%6%5%3%
Work from home 16%14%19%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Seaside are smaller: 1.94 people on average; in Clatsop County, 2.26.

In Seaside, 13% of workers walk or bike to work; in Clatsop County, 6%.

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 Seaside?

A typical home costs more than the typical income allows

We start with a typical home in Seaside, worth $459,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 95% of the typical household income in Seaside, which is $47,361 a year. For that payment to be 28% of income, a household would need to earn about $159,885 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Seaside. 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 $16,083 (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

$3,731

at 7.18% · 30 years

Loan amount
$451,177
Total interest
$649,138
Paid off in
November 2056

Includes $7,760 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,105 a month

  • Tight

    $1,105 to $1,421 a month

  • Hard

    more than $1,421 a month

    Your payment · 95%

Compared with the typical household income in Seaside ($47,361 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,731
Principal & interest$3,056
Property tax$280
Home insurance$192
FHA mortgage insurance (MIP)$203

You need at least $16,083 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

Seaside and Clatsop County

Seaside is in Clatsop 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).

Seaside's own numbers

Typical home value
$459,500
Typical monthly rent
$1,083
Typical yearly household income
$47,361
Households that own their home
48%
Effective property tax rate
0.73%

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

Numbers for all of Clatsop County

FHA limit, one-unit home
$563,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,318
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
7.6%

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 Clatsop County.

Everything about Clatsop County

Buying

Buying a home in Seaside

A typical home in Seaside is worth $459,500: about the same as the county and 4% below Oregon. With the typical household income in Seaside ($47,361 a year), a typical home costs 9.7 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.

  • Seaside 9.7 years
  • Clatsop 6.5 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Clatsop County

According to FHFA’s house price index, home prices in Clatsop County rose 116% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) +2.8% +0.9% +2.9%
5 years (2020–2025) +52% +35% +47%
10 years (2015–2025) +116% +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

Seaside next to Clatsop 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
  • Seaside $459,500
  • Clatsop $468,300
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Seaside $1,083
  • Clatsop $1,180
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Seaside $47,361
  • Clatsop $71,822
  • Oregon $83,011
  • United States $80,734
See the full table
Seaside next to Clatsop County and Oregon
Measure Seaside Clatsop County Oregon U.S.
Typical home value $459,500 $468,300 $477,600 $332,700
Typical monthly rent $1,083 $1,180 $1,525 $1,413
Typical yearly household income $47,361 $71,822 $83,011 $80,734
Households that own their home 48% 63% 63% 65%
Typical yearly property tax $3,352 $3,236 $3,876 $3,119
Effective property tax rate 0.73% 0.69% 0.81% 0.94%
Renters with high rent for their income 61% 51% 52% 51%

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

For a typical $459,500 home in Seaside, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Seaside's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,731a month

    Least cash to close
    Down payment
    $16,083
    Cash to close
    $29,868
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $203

  • Conventional, 5% down $3,646a month

    Down payment
    $22,975
    Cash to close
    $36,760
    Rate
    7.18%
    Mortgage insurance
    PMI · $218

  • Conventional, 20% down, no PMI $2,961a month

    Down payment
    $91,900
    Cash to close
    $105,685
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,386a month

    Down payment
    $68,925
    Cash to close
    $82,710
    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 Seaside and for Clatsop County.

Property tax

Effective rate in Seaside

0.73%of the home’s value each year

$3,352 a year for the typical owner in Seaside.

  • Seaside 0.73%
  • Clatsop 0.69%
  • 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 Clatsop County

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

Homes in the high-risk zone
7.6%
1,586
Of those, with NFIP insurance
19%
County Oregon U.S.
Homes in the high-risk zone 7.6% 2.8% 3.5%
Of those, with NFIP insurance 19% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Seaside

Typical rent in Seaside is $1,083 a month: 8% below the county. In Seaside, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Clatsop County, by unit size. To pay the 2-bedroom one ($1,318 a month) without spending more than 30% of your income, you would need to earn $25.35 an hour working full time.

HUD fair market rent for all of Clatsop 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 $969 $18.63 $38,760
1 bedroom $1,008 $19.38 $40,320
2 bedrooms $1,318 $25.35 $52,720
3 bedrooms $1,825 $35.10 $73,000
4 bedrooms $2,203 $42.37 $88,120

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 Seaside

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Seaside is in ZIP code 97138.

For 2 bedrooms it is $1,320: $2 more than the fair market rent for Clatsop County ($1,318).

  • 97138 $1,320$1,800

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

HUD lists 4 buildings with rents for lower incomes in Seaside. These are the largest.

  • Creekside Village Apts 1953 Spruce Dr, Seaside 97138 39 low-income homes · 1 bd: 6 · 2 bd: 28 · 3 bd: 5 · In service since 1991 · For families
  • Salmonberry Knoll 1250 S Wahanna Rd, Seaside 97138 36 low-income homes · In service since 1997 · For families
  • Sandhill Apts 150 S Wahanna Rd, Seaside 97138 32 low-income homes · 1 bd: 12 · 2 bd: 20 · In service since 2010 · For families (503) 738-8534
  • Hudson's Pointe Apts 1021 S Downing St, Seaside 97138 31 low-income homes · Studio: 2 · 1 bd: 24 · 2 bd: 5 · In service since 1998 · For families

See all 12 buildings in Clatsop County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Seaside

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

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Seaside

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

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

  • OPEN DOOR COUNSELING CENTER DBA Open Door Housingworks

    34420 SW Tualatin Valley Hwy, Hillsboro · 54 miles away · Spanish

    Also serves in Polish, Russian, and Ukrainian.

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

  • Bienestar

    448 S 1st Ave Ste 100, Hillsboro · 55 miles away · Spanish

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

  • Housing Authority of Yamhill County

    135 NE Dunn Pl, McMinnville · 65 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (503) 883-4300

All counseling agencies in Oregon

Help in Spanish near Seaside

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 Seaside

In HUD’s record, no housing authority with an office in Clatsop County is named for Seaside or Clatsop County.

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

Cities

Other cities in Clatsop County

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

Everything about Clatsop County Housing in Oregon

Nearby cities

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

Neighboring counties

If Clatsop 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 Seaside.

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

Questions

Housing questions about Seaside

Short answers with the numbers for Seaside and all of Clatsop 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 Seaside?

The typical home value in Seaside is $459,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clatsop County it is $468,300.

How much does it cost to rent in Seaside?

Typical rent in Seaside is $1,083 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clatsop County is $1,318.

What is the FHA loan limit in Seaside?

Seaside uses the FHA limit for all of Clatsop County (2026): $563,500 for a one-unit home and $1,083,650 for a four-unit home.

How much property tax do owners pay in Seaside?

The typical homeowner in Seaside pays $3,352 a year, according to the U.S. Census Bureau. That is 0.73% of the home’s value; in Clatsop County, the rate is 0.69%.

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

We found no HUD-approved counseling agencies with an office in Clatsop 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).