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City · 10,456 residents · Marion County, Oregon

Silverton , Oregon

In Silverton, a typical home is worth $484,800 and typical rent is $1,580 a month. Compared with all of Marion County, the typical home value is 16% higher and typical rent is 12% higher.

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  • Typical home value

    $484,800

    16% above the county

    About the same as Oregon

    • Silverton
    • Marion
    • Oregon

  • Typical rent

    $1,580a month

    12% above the county

    4% above Oregon

    • Silverton
    • Marion
    • Oregon

  • Typical household income

    $79,960a year

    3% above the county

    4% below Oregon

    • Silverton
    • Marion
    • Oregon

  • Households that own their home

    61%

    1 points below the county

    2 points below Oregon

    • Silverton
    • Marion
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$546,982
0.7% less than 12 months ago
Typical rent
$1,930 a month

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

Silverton is in Marion 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 Marion County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Silverton apart

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

  1. Nearby, in Woodburn, the typical home value is $331,800: 32% less than in Silverton ($484,800).

  2. The typical home in Silverton is worth $484,800, 16% more than in Marion County as a whole ($416,400).

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

The homes here

Housing in Silverton

What homes there are in Silverton, 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

The detached house rules in Silverton: 70% of homes, more than in Marion County (63%).

Year built

By age, homes in Silverton look like those in Marion County: the typical year built is 1978.

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

$2,072 a month

Marion County: $1,959 a month

Without a mortgage

$674 a month

Marion County: $660 a month

Owners with a mortgage

62%

Marion County: 66%

Owning costs more in Silverton: with a mortgage, the typical cost is $2,072 a month; in Marion County, $1,959. Without one, $674.

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 Silverton rose 64%; in Marion County, it rose 69%.

Rents in Silverton rose faster than in Marion County: 63% since 2015–2019, against 44%.

Here income did not keep up with housing: it rose 24%, while home values changed +64% and rent +63%.

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

MeasureSilvertonMarion CountyOregonUnited States
Rental vacancy Unreliable estimate4.4%4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate5.2%3.2%3.4%
People per household 2.642.662.422.53
Drive alone 76%70%65%69%
Carpool 6%12%9%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate3%5%3%
Work from home 15%13%19%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Marion County, a household in Silverton has 2.64 people on average.

To get to work, 76% of workers in Silverton drive alone; in Marion County, 70%.

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 Silverton?

A typical home costs more than the typical income allows

We start with a typical home in Silverton, worth $484,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 59% of the typical household income in Silverton, which is $79,960 a year. For that payment to be 28% of income, a household would need to earn about $169,208 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Silverton. 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 $16,968 (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

$3,948

at 7.18% · 30 years

Loan amount
$476,019
Total interest
$684,880
Paid off in
November 2056

Includes $8,187 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,866 a month

  • Tight

    $1,866 to $2,399 a month

  • Hard

    more than $2,399 a month

    Your payment · 59%

Compared with the typical household income in Silverton ($79,960 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,948
Principal & interest$3,225
Property tax$307
Home insurance$202
FHA mortgage insurance (MIP)$214

You need at least $16,968 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

Silverton and Marion County

Silverton is in Marion 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).

Silverton's own numbers

Typical home value
$484,800
Typical monthly rent
$1,580
Typical yearly household income
$79,960
Households that own their home
61%
Effective property tax rate
0.76%

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

Numbers for all of Marion County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,692
Price change over 5 years (FHFA)
+42%
Homes in a high flood-risk zone
2.9%

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 Marion County.

Everything about Marion County

Buying

Buying a home in Silverton

A typical home in Silverton is worth $484,800: 16% above the county and about the same as Oregon. With the typical household income in Silverton ($79,960 a year), a typical home costs 6.1 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.

  • Silverton 6.1 years
  • Marion 5.4 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Marion County

According to FHFA’s house price index, home prices in Marion County rose 117% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) +2.6% +0.9% +2.9%
5 years (2020–2025) +42% +35% +47%
10 years (2015–2025) +117% +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

Silverton next to Marion 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
  • Silverton $484,800
  • Marion $416,400
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Silverton $1,580
  • Marion $1,414
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Silverton $79,960
  • Marion $77,351
  • Oregon $83,011
  • United States $80,734
See the full table
Silverton next to Marion County and Oregon
Measure Silverton Marion County Oregon U.S.
Typical home value $484,800 $416,400 $477,600 $332,700
Typical monthly rent $1,580 $1,414 $1,525 $1,413
Typical yearly household income $79,960 $77,351 $83,011 $80,734
Households that own their home 61% 62% 63% 65%
Typical yearly property tax $3,670 $3,490 $3,876 $3,119
Effective property tax rate 0.76% 0.84% 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 Marion 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 Silverton

For a typical $484,800 home in Silverton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Silverton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,948a month

    Least cash to close
    Down payment
    $16,968
    Cash to close
    $31,512
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $214

  • Conventional, 5% down $3,859a month

    Down payment
    $24,240
    Cash to close
    $38,784
    Rate
    7.18%
    Mortgage insurance
    PMI · $230

  • Conventional, 20% down, no PMI $3,136a month

    Down payment
    $96,960
    Cash to close
    $111,504
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,585a month

    Down payment
    $72,720
    Cash to close
    $87,264
    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 Silverton and for Marion County.

Property tax

Effective rate in Silverton

0.76%of the home’s value each year

$3,670 a year for the typical owner in Silverton.

  • Silverton 0.76%
  • Marion 0.84%
  • 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 Marion County

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

Homes in the high-risk zone
2.9%
2,669
Of those, with NFIP insurance
29%
County Oregon U.S.
Homes in the high-risk zone 2.9% 2.8% 3.5%
Of those, with NFIP insurance 29% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Silverton

Typical rent in Silverton is $1,580 a month: 12% above the county. In Silverton, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Marion County, by unit size. To pay the 2-bedroom one ($1,692 a month) without spending more than 30% of your income, you would need to earn $32.54 an hour working full time.

HUD fair market rent for all of Marion 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 $1,285 $24.71 $51,400
1 bedroom $1,294 $24.88 $51,760
2 bedrooms $1,692 $32.54 $67,680
3 bedrooms $2,341 $45.02 $93,640
4 bedrooms $2,564 $49.31 $102,560

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 Silverton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Silverton is in ZIP code 97381.

For 2 bedrooms it is $1,920: $228 more than the fair market rent for Marion County ($1,692).

  • 97381 $1,920$2,660

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

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 Marion County; 1 says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Silverton

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

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

  • DevNW

    528 Cottage St NE Ste 304, Salem · 13 miles away · Spanish

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

  • Housing Authority of Yamhill County

    135 NE Dunn Pl, McMinnville · 23 miles away · Spanish

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

  • DevNw

    421 High Street, Suite 110, Oregon City · 26 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (503) 655-8974

Every agency in Marion County All counseling agencies in Oregon

Help in Spanish near Silverton

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 Silverton

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

  • Marion County Housing Authority Public housing and Section 8 vouchers (503) 798-4170

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

Cities

Other cities in Marion County

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

Everything about Marion County Housing in Oregon

Nearby cities

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

Neighboring counties

If Marion 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 Silverton.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Silverton

Short answers with the numbers for Silverton and all of Marion 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 Silverton?

The typical home value in Silverton is $484,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Marion County it is $416,400.

How much does it cost to rent in Silverton?

Typical rent in Silverton is $1,580 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Marion County is $1,692.

What is the FHA loan limit in Silverton?

Silverton uses the FHA limit for all of Marion 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 Silverton?

The typical homeowner in Silverton pays $3,670 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Marion County, the rate is 0.84%.

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

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