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City · 5,218 residents · Tillamook County, Oregon

Tillamook , Oregon

In Tillamook, a typical home is worth $298,800 and typical rent is $1,241 a month. Compared with all of Tillamook County, the typical home value is 31% lower, typical household income is 16% lower, and the share of households that own their home is 32 points lower.

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  • Typical home value

    $298,800

    31% below the county

    37% below Oregon

    • Tillamook
    • County
    • Oregon

  • Typical rent

    $1,241a month

    About the same as the county

    19% below Oregon

    • Tillamook
    • County
    • Oregon

  • Typical household income

    $58,176a year

    16% below the county

    30% below Oregon

    • Tillamook
    • County
    • Oregon

  • Households that own their home

    43%

    32 points below the county

    21 points below Oregon

    • Tillamook
    • County
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$459,359
1% more than 12 months ago

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

Tillamook is in Tillamook 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 Tillamook County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Tillamook apart

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

  1. 43% of households in Tillamook own their home, against 74% in Tillamook County.

  2. Tillamook has the 4th largest share of rent-burdened renters of the 93 cities in Oregon with more than 5,000 people (64%).

  3. The typical home in Tillamook is worth $298,800, 31% less than in Tillamook County as a whole ($430,200).

  4. The typical household income in Tillamook is $58,176, 16% less than in Tillamook County as a whole ($69,105).

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

The homes here

Housing in Tillamook

What homes there are in Tillamook, 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

Homes in Tillamook are varied: detached houses are the largest group, at 48%, against 77% in Tillamook County.

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

$1,504 a month

Tillamook County: $1,835 a month

Without a mortgage

$444 a month

Tillamook County: $571 a month

Owners with a mortgage

75%

Tillamook County: 55%

The typical cost for an owner with a mortgage in Tillamook is $1,504 a month, less than in Tillamook County ($1,835); without one, $444.

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 Tillamook gained value more slowly than in Tillamook County: 58% since 2015–2019, against 69%.

Rents in Tillamook rose faster than in Tillamook County: 57% since 2015–2019, against 37%.

Here income did not keep up with housing: it rose 42%, while home values changed +58% and rent +57%.

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

MeasureTillamookTillamook 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 estimate2.5%3.2%3.4%
People per household 2.522.232.422.53
Drive alone 59%66%65%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate3%5%3%
Work from home 13%19%19%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Tillamook has 2.52 people, more than in Tillamook County (2.23).

To get to work, 59% of workers in Tillamook drive alone; in Tillamook County, 66%.

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 Tillamook?

A typical home costs more than the typical income allows

We start with a typical home in Tillamook, worth $298,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Tillamook, which is $58,176 a year. For that payment to be 28% of income, a household would need to earn about $102,688 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Tillamook. 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 $10,458 (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

$2,396

at 7.18% · 30 years

Loan amount
$293,388
Total interest
$422,116
Paid off in
November 2056

Includes $5,046 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,357 a month

  • Tight

    $1,357 to $1,745 a month

  • Hard

    more than $1,745 a month

    Your payment · 49%

Compared with the typical household income in Tillamook ($58,176 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,396
Principal & interest$1,988
Property tax$152
Home insurance$125
FHA mortgage insurance (MIP)$132

You need at least $10,458 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

Tillamook and Tillamook County

Tillamook is in Tillamook 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).

Tillamook's own numbers

Typical home value
$298,800
Typical monthly rent
$1,241
Typical yearly household income
$58,176
Households that own their home
43%
Effective property tax rate
0.61%

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

Numbers for all of Tillamook County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,301
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
8.5%

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 Tillamook County.

Everything about Tillamook County

Buying

Buying a home in Tillamook

A typical home in Tillamook is worth $298,800: 31% below the county and 37% below Oregon. With the typical household income in Tillamook ($58,176 a year), a typical home costs 5.1 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.

  • Tillamook 5.1 years
  • County 6.2 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Tillamook County

According to FHFA’s house price index, home prices in Tillamook County rose 105% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) +0.5% +0.9% +2.9%
5 years (2020–2025) +50% +35% +47%
10 years (2015–2025) +105% +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

Tillamook next to Tillamook 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
  • Tillamook $298,800
  • County $430,200
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Tillamook $1,241
  • County $1,246
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Tillamook $58,176
  • County $69,105
  • Oregon $83,011
  • United States $80,734
See the full table
Tillamook next to Tillamook County and Oregon
Measure Tillamook Tillamook County Oregon U.S.
Typical home value $298,800 $430,200 $477,600 $332,700
Typical monthly rent $1,241 $1,246 $1,525 $1,413
Typical yearly household income $58,176 $69,105 $83,011 $80,734
Households that own their home 43% 74% 63% 65%
Typical yearly property tax $1,824 $2,582 $3,876 $3,119
Effective property tax rate 0.61% 0.6% 0.81% 0.94%
Renters with high rent for their income 64% 43% 52% 51%

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

For a typical $298,800 home in Tillamook, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Tillamook's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,396a month

    Least cash to close
    Down payment
    $10,458
    Cash to close
    $19,422
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $132

  • Conventional, 5% down $2,341a month

    Down payment
    $14,940
    Cash to close
    $23,904
    Rate
    7.18%
    Mortgage insurance
    PMI · $142

  • Conventional, 20% down, no PMI $1,896a month

    Down payment
    $59,760
    Cash to close
    $68,724
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,172a month

    Down payment
    $44,820
    Cash to close
    $53,784
    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 Tillamook and for Tillamook County.

Property tax

Effective rate in Tillamook

0.61%of the home’s value each year

$1,824 a year for the typical owner in Tillamook.

  • Tillamook 0.61%
  • County 0.6%
  • 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 Tillamook County

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

Homes in the high-risk zone
8.5%
1,611
Of those, with NFIP insurance
30%
County Oregon U.S.
Homes in the high-risk zone 8.5% 2.8% 3.5%
Of those, with NFIP insurance 30% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Tillamook

Typical rent in Tillamook is $1,241 a month: about the same as the county. In Tillamook, 64% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Tillamook County, by unit size. To pay the 2-bedroom one ($1,301 a month) without spending more than 30% of your income, you would need to earn $25.02 an hour working full time.

HUD fair market rent for all of Tillamook 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 $915 $17.60 $36,600
1 bedroom $1,023 $19.67 $40,920
2 bedrooms $1,301 $25.02 $52,040
3 bedrooms $1,801 $34.63 $72,040
4 bedrooms $2,015 $38.75 $80,600

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 Tillamook

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Tillamook is in ZIP code 97141.

For 2 bedrooms it is $1,270: $31 less than the fair market rent for Tillamook County ($1,301).

  • 97141 $1,270$1,760

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

HUD lists 7 buildings with rents for lower incomes in Tillamook. These are the largest.

  • Champion Park Apts Phase II 4317 Brookfield Ave, Tillamook 97141 66 low-income homes · 2 bd: 44 · 3 bd: 22 · In service since 2004 · For families
  • Champion Park Apts 4317 Brookfield Ave, Tillamook 97141 64 low-income homes · 2 bd: 42 · 3 bd: 20 · 4 bd: 2 · In service since 1998 · For families
  • Evergreen Garden Apts 3810 12th St, Tillamook 97141 34 low-income homes · 1 bd: 32 · 2 bd: 2 · In service since 1990 · For older adults, people with disabilities
  • Meadow Glen 4210 Marolf Pl, Tillamook 97141 31 low-income homes · 1 bd: 4 · 2 bd: 18 · 3 bd: 9 · In service since 1991 · For older adults, people with disabilities, families
  • Sheridan Square Apts 895 3rd St, Tillamook 97141 27 homes, 10 low-income · 1 bd: 23 · 2 bd: 4 · In service since 2000 · For older adults

See all 7 buildings in Tillamook County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Tillamook

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 Tillamook 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 Tillamook

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

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

  • Housing Authority of Yamhill County

    135 NE Dunn Pl, McMinnville · 37 miles away · Spanish

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

  • OPEN DOOR COUNSELING CENTER DBA Open Door Housingworks

    34420 SW Tualatin Valley Hwy, Hillsboro · 39 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 · 41 miles away · Spanish

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

All counseling agencies in Oregon

Help in Spanish near Tillamook

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 Tillamook

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

All housing agencies in Oregon Source: HUD

Cities

Nearby cities

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

Everything about Tillamook County Housing in Oregon

Neighboring counties

If Tillamook 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 Tillamook.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Tillamook

Short answers with the numbers for Tillamook and all of Tillamook 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 Tillamook?

The typical home value in Tillamook is $298,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Tillamook County it is $430,200.

How much does it cost to rent in Tillamook?

Typical rent in Tillamook is $1,241 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Tillamook County is $1,301.

What is the FHA loan limit in Tillamook?

Tillamook uses the FHA limit for all of Tillamook 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 Tillamook?

The typical homeowner in Tillamook pays $1,824 a year, according to the U.S. Census Bureau. That is 0.61% of the home’s value; in Tillamook County, the rate is 0.6%.

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

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