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City · 15,923 residents · Multnomah County, Oregon

Troutdale , Oregon

In Troutdale, a typical home is worth $456,100 and typical rent is $1,653 a month. Compared with all of Multnomah County, the typical home value is 17% lower and the share of households that own their home is 16 points higher.

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  • Typical home value

    $456,100

    17% below the county

    5% below Oregon

    • Troutdale
    • Multnomah
    • Oregon

  • Typical rent

    $1,653a month

    About the same as the county

    8% above Oregon

    • Troutdale
    • Multnomah
    • Oregon

  • Typical household income

    $89,337a year

    About the same as the county

    8% above Oregon

    • Troutdale
    • Multnomah
    • Oregon

  • Households that own their home

    69%

    16 points above the county

    6 points above Oregon

    • Troutdale
    • Multnomah
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$481,203
1.2% less than 12 months ago
Typical rent
$1,838 a month

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

Troutdale is in Multnomah 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 Multnomah County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Troutdale apart

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

  1. 69% of households in Troutdale own their home, against 53% in Multnomah County.

  2. The typical home in Troutdale is worth $456,100, 17% less than in Multnomah County as a whole ($552,700).

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

The homes here

Housing in Troutdale

What homes there are in Troutdale, 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

Detached houses, standing on their own, make up 64% of homes here, against 53% in Multnomah County.

Year built

The typical home in Troutdale was built in 1992, 20 years after the typical one in Multnomah 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

$2,099 a month

Multnomah County: $2,470 a month

Without a mortgage

$709 a month

Multnomah County: $883 a month

Owners with a mortgage

72%

Multnomah County: 72%

In Troutdale, 72% of owners have a mortgage, and their typical cost is $2,099 a month, against $2,470 in Multnomah County. Without one it drops to $709.

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 Troutdale rose 47%; in Multnomah County, it rose 43%.

Since 2015–2019, the typical rent in Troutdale rose 38%, more than in Multnomah County (33%).

Here income did not keep up with housing: it rose 17%, while home values changed +47% and rent +38%.

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

MeasureTroutdaleMultnomah CountyOregonUnited States
Rental vacancy Unreliable estimate5.2%4.2%5.5%
Homeowner vacancy Unreliable estimate0.7%0.7%0.9%
More than one person per room Unreliable estimate3.3%3.2%3.4%
People per household 2.662.232.422.53
Drive alone 74%53%65%69%
Carpool 7%8%9%9%
Public transit Unreliable estimate6%2%3%
Walk or bike Unreliable estimate7%5%3%
Work from home 14%26%19%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Troutdale are bigger: 2.66 people on average; in Multnomah County, 2.23.

To get to work, 74% of workers in Troutdale drive alone; in Multnomah County, 53%.

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 Troutdale?

A typical home costs more than the typical income allows

We start with a typical home in Troutdale, worth $456,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Troutdale, which is $89,337 a year. For that payment to be 28% of income, a household would need to earn about $162,286 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Troutdale. 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 $15,964 (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

$3,787

at 7.18% · 30 years

Loan amount
$447,838
Total interest
$644,334
Paid off in
November 2056

Includes $7,702 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,085 a month

  • Tight

    $2,085 to $2,680 a month

  • Hard

    more than $2,680 a month

    Your payment · 51%

Compared with the typical household income in Troutdale ($89,337 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,787
Principal & interest$3,034
Property tax$361
Home insurance$190
FHA mortgage insurance (MIP)$202

You need at least $15,964 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

Troutdale and Multnomah County

Troutdale is in Multnomah 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).

Troutdale's own numbers

Typical home value
$456,100
Typical monthly rent
$1,653
Typical yearly household income
$89,337
Households that own their home
69%
Effective property tax rate
0.95%

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

Numbers for all of Multnomah 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)
+22%
Homes in a high flood-risk zone
0.1%

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 Multnomah County.

Everything about Multnomah County

Buying

Buying a home in Troutdale

A typical home in Troutdale is worth $456,100: 17% below the county and 5% below Oregon. With the typical household income in Troutdale ($89,337 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.

  • Troutdale 5.1 years
  • Multnomah 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 Multnomah County

According to FHFA’s house price index, home prices in Multnomah County rose 61% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) +0.3% +0.9% +2.9%
5 years (2020–2025) +22% +35% +47%
10 years (2015–2025) +61% +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

Troutdale next to Multnomah 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
  • Troutdale $456,100
  • Multnomah $552,700
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Troutdale $1,653
  • Multnomah $1,646
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Troutdale $89,337
  • Multnomah $88,766
  • Oregon $83,011
  • United States $80,734
See the full table
Troutdale next to Multnomah County and Oregon
Measure Troutdale Multnomah County Oregon U.S.
Typical home value $456,100 $552,700 $477,600 $332,700
Typical monthly rent $1,653 $1,646 $1,525 $1,413
Typical yearly household income $89,337 $88,766 $83,011 $80,734
Households that own their home 69% 53% 63% 65%
Typical yearly property tax $4,316 $5,301 $3,876 $3,119
Effective property tax rate 0.95% 0.96% 0.81% 0.94%
Renters with high rent for their income 51% 53% 52% 51%

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

For a typical $456,100 home in Troutdale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Troutdale's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,787a month

    Least cash to close
    Down payment
    $15,964
    Cash to close
    $29,647
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $202

  • Conventional, 5% down $3,703a month

    Down payment
    $22,805
    Cash to close
    $36,488
    Rate
    7.18%
    Mortgage insurance
    PMI · $217

  • Conventional, 20% down, no PMI $3,023a month

    Down payment
    $91,220
    Cash to close
    $104,903
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,445a month

    Down payment
    $68,415
    Cash to close
    $82,098
    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 Troutdale and for Multnomah County.

Property tax

Effective rate in Troutdale

0.95%of the home’s value each year

$4,316 a year for the typical owner in Troutdale.

  • Troutdale 0.95%
  • Multnomah 0.96%
  • 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 Multnomah County

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

Homes in the high-risk zone
0.1%
209
Of those, with NFIP insurance
—
County Oregon U.S.
Homes in the high-risk zone 0.1% 2.8% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Troutdale

Typical rent in Troutdale is $1,653 a month: about the same as the county. In Troutdale, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Multnomah 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 Multnomah 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 Troutdale

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Troutdale is in ZIP code 97060.

For 2 bedrooms it is $1,770: $108 less than the fair market rent for Multnomah County ($1,878).

  • 97060 $1,770$2,400

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

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

  • Troutdale Terrace Apts 639 SW 257th Ave, Troutdale 97060 228 homes, 226 low-income · 1 bd: 24 · 2 bd: 152 · 3 bd: 52 · In service since 2002 · For families
  • Hewitt Place 846 SW 29th Way, Troutdale 97060 44 homes, 43 low-income · 1 bd: 1 · 3 bd: 43 · In service since 2010
  • Cherry Ridge 2295 SW Sturges Ln, Troutdale 97060 160 homes · In service since 1996 · For families

See all 272 buildings in Multnomah County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Troutdale

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 are 5 HUD-approved agencies with an office in Multnomah County; 4 say they serve in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Troutdale

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

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

  • Hacienda Community Development Corporation

    6700 NE Killingsworth St, Portland · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (503) 961-6432

  • Native American Youth and Family Center

    5135 NE Columbia Blvd, Portland · 11 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (503) 288-8177

  • Portland Housing Center DBA Arrive

    3233 NE Sandy Blvd, Portland · 12 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (503) 282-7744

Every agency in Multnomah County All counseling agencies in Oregon

Help in Spanish near Troutdale

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 Troutdale

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

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

Cities

Other cities in Multnomah County

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

Everything about Multnomah County Housing in Oregon

Nearby cities

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

Neighboring counties

If Multnomah 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 Troutdale.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Troutdale

Short answers with the numbers for Troutdale and all of Multnomah 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 Troutdale?

The typical home value in Troutdale is $456,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Multnomah County it is $552,700.

How much does it cost to rent in Troutdale?

Typical rent in Troutdale is $1,653 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Multnomah County is $1,878.

What is the FHA loan limit in Troutdale?

Troutdale uses the FHA limit for all of Multnomah 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 Troutdale?

The typical homeowner in Troutdale pays $4,316 a year, according to the U.S. Census Bureau. That is 0.95% of the home’s value; in Multnomah County, the rate is 0.96%.

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

There are 5 HUD-approved counseling agencies with an office in Multnomah County. 4 say they serve 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).