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City · 10,078 residents · Linn County, Oregon

Sweet Home , Oregon

In Sweet Home, a typical home is worth $273,300 and typical rent is $1,213 a month. Compared with all of Linn County, the typical home value is 27% lower and typical household income is 25% lower.

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  • Typical home value

    $273,300

    27% below the county

    43% below Oregon

    • Sweet Home
    • Linn
    • Oregon

  • Typical rent

    $1,213a month

    8% below the county

    20% below Oregon

    • Sweet Home
    • Linn
    • Oregon

  • Typical household income

    $56,927a year

    25% below the county

    31% below Oregon

    • Sweet Home
    • Linn
    • Oregon

  • Households that own their home

    67%

    About the same as the county

    4 points above Oregon

    • Sweet Home
    • Linn
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$348,337
0.8% less than 12 months ago
Typical rent
$1,582 a month

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

Sweet Home is in Linn 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 Linn County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Sweet Home apart

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

  1. The typical home in Sweet Home is worth $273,300, 27% less than in Linn County as a whole ($376,400).

  2. The typical household income in Sweet Home is $56,927, 25% less than in Linn County as a whole ($76,329).

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

The homes here

Housing in Sweet Home

What homes there are in Sweet Home, 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 Sweet Home: 68% of homes, more than in Linn County (63%).

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

$1,576 a month

Linn County: $1,799 a month

Without a mortgage

$578 a month

Linn County: $599 a month

Owners with a mortgage

62%

Linn County: 64%

In Sweet Home, 62% of owners have a mortgage, and their typical cost is $1,576 a month, against $1,799 in Linn County. Without one it drops to $578.

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 Sweet Home rose 79%; in Linn County, it rose 70%.

Since 2015–2019, the typical rent in Sweet Home rose 30%, less than in Linn County (37%).

The typical household income in Sweet Home rose 31% over that time; home values changed +79% and rent +30%.

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

MeasureSweet HomeLinn 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 estimate3.5%3.2%3.4%
People per household 2.342.542.422.53
Drive alone 76%77%65%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate2%5%3%
Work from home 13%11%19%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.34 on average, against 2.54 in Linn County.

In Sweet Home, 76% of workers drive alone to work; in Linn County, 77%.

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 Sweet Home?

A typical home costs more than the typical income allows

We start with a typical home in Sweet Home, worth $273,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Sweet Home, which is $56,927 a year. For that payment to be 28% of income, a household would need to earn about $97,048 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Sweet Home. 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 $9,566 (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

$2,265

at 7.18% · 30 years

Loan amount
$268,349
Total interest
$386,092
Paid off in
November 2056

Includes $4,615 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,328 a month

  • Tight

    $1,328 to $1,708 a month

  • Hard

    more than $1,708 a month

    Your payment · 48%

Compared with the typical household income in Sweet Home ($56,927 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,265
Principal & interest$1,818
Property tax$212
Home insurance$114
FHA mortgage insurance (MIP)$121

You need at least $9,566 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

Sweet Home and Linn County

Sweet Home is in Linn 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).

Sweet Home's own numbers

Typical home value
$273,300
Typical monthly rent
$1,213
Typical yearly household income
$56,927
Households that own their home
67%
Effective property tax rate
0.93%

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

Numbers for all of Linn County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,726
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
4.2%

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 Linn County.

Everything about Linn County

Buying

Buying a home in Sweet Home

A typical home in Sweet Home is worth $273,300: 27% below the county and 43% below Oregon. With the typical household income in Sweet Home ($56,927 a year), a typical home costs 4.8 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.

  • Sweet Home 4.8 years
  • Linn 4.9 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Linn County

According to FHFA’s house price index, home prices in Linn County rose 124% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) +2.2% +0.9% +2.9%
5 years (2020–2025) +45% +35% +47%
10 years (2015–2025) +124% +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

Sweet Home next to Linn 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
  • Sweet Home $273,300
  • Linn $376,400
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Sweet Home $1,213
  • Linn $1,320
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Sweet Home $56,927
  • Linn $76,329
  • Oregon $83,011
  • United States $80,734
See the full table
Sweet Home next to Linn County and Oregon
Measure Sweet Home Linn County Oregon U.S.
Typical home value $273,300 $376,400 $477,600 $332,700
Typical monthly rent $1,213 $1,320 $1,525 $1,413
Typical yearly household income $56,927 $76,329 $83,011 $80,734
Households that own their home 67% 67% 63% 65%
Typical yearly property tax $2,553 $3,261 $3,876 $3,119
Effective property tax rate 0.93% 0.87% 0.81% 0.94%
Renters with high rent for their income 57% 53% 52% 51%

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

For a typical $273,300 home in Sweet Home, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sweet Home's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,264a month

    Least cash to close
    Down payment
    $9,566
    Cash to close
    $17,765
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $121

  • Conventional, 5% down $2,214a month

    Down payment
    $13,665
    Cash to close
    $21,864
    Rate
    7.18%
    Mortgage insurance
    PMI · $130

  • Conventional, 20% down, no PMI $1,807a month

    Down payment
    $54,660
    Cash to close
    $62,859
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,059a month

    Down payment
    $40,995
    Cash to close
    $49,194
    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 Sweet Home and for Linn County.

Property tax

Effective rate in Sweet Home

0.93%of the home’s value each year

$2,553 a year for the typical owner in Sweet Home.

  • Sweet Home 0.93%
  • Linn 0.87%
  • 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 Linn County

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

Homes in the high-risk zone
4.2%
2,004
Of those, with NFIP insurance
19%
County Oregon U.S.
Homes in the high-risk zone 4.2% 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 Sweet Home

Typical rent in Sweet Home is $1,213 a month: 8% below the county. In Sweet Home, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Linn County, by unit size. To pay the 2-bedroom one ($1,726 a month) without spending more than 30% of your income, you would need to earn $33.19 an hour working full time.

HUD fair market rent for all of Linn 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 $1,202 $23.12 $48,080
1 bedroom $1,413 $27.17 $56,520
2 bedrooms $1,726 $33.19 $69,040
3 bedrooms $2,380 $45.77 $95,200
4 bedrooms $2,672 $51.38 $106,880

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 Sweet Home

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sweet Home is in ZIP code 97386.

For 2 bedrooms it is $1,620: $106 less than the fair market rent for Linn County ($1,726).

  • 97386 $1,620$2,230

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

HUD lists 3 buildings with rents for lower incomes in Sweet Home. These are the largest.

  • Linnhaven Apts 1220 23rd Ave, Sweet Home 97386 51 homes, 50 low-income · Studio: 6 · 1 bd: 28 · 2 bd: 16 · 3 bd: 1 · In service since 2010
  • Cascadia Village Apts 1241 23rd Ave, Sweet Home 97386 32 low-income homes · 1 bd: 8 · 2 bd: 16 · 3 bd: 7 · In service since 1999 · For families
  • Ames Creek Court 1815 Ames Creek Rd, Sweet Home 97386 31 homes, 16 low-income · 1 bd: 28 · 2 bd: 3 · In service since 1999 · For older adults

See all 19 buildings in Linn County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Sweet Home

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

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Sweet Home

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

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

  • DevNW

    212 Main St, Springfield · 29 miles away

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

  • DevNW

    2525 SE 3rd St, Corvallis · 29 miles away · Spanish

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

  • DevNW

    528 Cottage St NE Ste 304, Salem · 41 miles away · Spanish

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

All counseling agencies in Oregon

Help in Spanish near Sweet Home

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 Sweet Home

In HUD’s record, no housing authority with an office in Linn County is named for Sweet Home or Linn County.

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

Cities

Other cities in Linn County

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

Everything about Linn County Housing in Oregon

Nearby cities

The cities closest to Sweet Home, with the typical home value.

Neighboring counties

If Linn 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 Sweet Home.

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

Questions

Housing questions about Sweet Home

Short answers with the numbers for Sweet Home and all of Linn 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 Sweet Home?

The typical home value in Sweet Home is $273,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Linn County it is $376,400.

How much does it cost to rent in Sweet Home?

Typical rent in Sweet Home is $1,213 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Linn County is $1,726.

What is the FHA loan limit in Sweet Home?

Sweet Home uses the FHA limit for all of Linn 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 Sweet Home?

The typical homeowner in Sweet Home pays $2,553 a year, according to the U.S. Census Bureau. That is 0.93% of the home’s value; in Linn County, the rate is 0.87%.

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

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