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City · 10,750 residents · Jackson County, Oregon

White City , Oregon

In White City, a typical home is worth $302,400 and typical rent is $1,379 a month. Compared with all of Jackson County, the typical home value is 30% lower and the share of households that own their home is 18 points higher.

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  • Typical home value

    $302,400

    30% below the county

    37% below Oregon

    • White City
    • Jackson
    • Oregon

  • Typical rent

    $1,379a month

    About the same as the county

    10% below Oregon

    • White City
    • Jackson
    • Oregon

  • Typical household income

    $71,175a year

    4% below the county

    14% below Oregon

    • White City
    • Jackson
    • Oregon

  • Households that own their home

    84%

    18 points above the county

    20 points above Oregon

    • White City
    • Jackson
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$350,082
0.7% more than 12 months ago

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

White City is in Jackson 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 Jackson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets White City apart

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

  1. White City has the 4th highest homeownership rate of the 105 cities in Oregon with more than 5,000 people (84%).

  2. The typical home in White City is worth $302,400, 30% less than in Jackson County as a whole ($430,200).

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

The homes here

Housing in White City

What homes there are in White City, 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 is still the most common home in White City, but it weighs less than in Jackson County: 59% against 65%.

Mobile homes are 29% of homes in White City, more than in Jackson County (10%).

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

$1,610 a month

Jackson County: $1,935 a month

Without a mortgage

$514 a month

Jackson County: $624 a month

Owners with a mortgage

62%

Jackson County: 61%

The typical cost for an owner with a mortgage in White City is $1,610 a month, less than in Jackson County ($1,935); without one, $514.

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

Since 2015–2019, homes in White City gained value faster than in Jackson County: 89% against 54%.

The typical rent in White City stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureWhite CityJackson CountyOregonUnited States
Rental vacancy Unreliable estimate4.1%4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate3.0%3.2%3.4%
People per household 3.102.372.422.53
Drive alone 79%72%65%69%
Carpool 13%9%9%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate4%5%3%
Work from home 5%13%19%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 3.10 on average, against 2.37 in Jackson County.

More people carpool to work in White City than in Jackson County: 13% against 9%.

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 White City?

A typical home costs more than the typical income allows

We start with a typical home in White City, worth $302,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in White City, which is $71,175 a year. For that payment to be 28% of income, a household would need to earn about $104,573 a year.

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

Your numbers

Local data
$

Starts at the typical home value in White City. 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 $10,584 (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

$2,440

at 7.18% · 30 years

Loan amount
$296,923
Total interest
$427,202
Paid off in
November 2056

Includes $5,107 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,661 a month

  • Tight

    $1,661 to $2,135 a month

  • Hard

    more than $2,135 a month

    Your payment · 41%

Compared with the typical household income in White City ($71,175 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,440
Principal & interest$2,011
Property tax$169
Home insurance$126
FHA mortgage insurance (MIP)$134

You need at least $10,584 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

White City and Jackson County

White City is in Jackson 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).

White City's own numbers

Typical home value
$302,400
Typical monthly rent
$1,379
Typical yearly household income
$71,175
Households that own their home
84%
Effective property tax rate
0.67%

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

Numbers for all of Jackson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,539
Price change over 5 years (FHFA)
+32%
Homes in a high flood-risk zone
3.1%

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 Jackson County.

Everything about Jackson County

Buying

Buying a home in White City

A typical home in White City is worth $302,400: 30% below the county and 37% below Oregon. With the typical household income in White City ($71,175 a year), a typical home costs 4.2 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.

  • White City 4.2 years
  • Jackson 5.8 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jackson County

According to FHFA’s house price index, home prices in Jackson County rose 79% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) +1.1% +0.9% +2.9%
5 years (2020–2025) +32% +35% +47%
10 years (2015–2025) +79% +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

White City next to Jackson 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
  • White City $302,400
  • Jackson $430,200
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • White City $1,379
  • Jackson $1,358
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • White City $71,175
  • Jackson $73,999
  • Oregon $83,011
  • United States $80,734
See the full table
White City next to Jackson County and Oregon
Measure White City Jackson County Oregon U.S.
Typical home value $302,400 $430,200 $477,600 $332,700
Typical monthly rent $1,379 $1,358 $1,525 $1,413
Typical yearly household income $71,175 $73,999 $83,011 $80,734
Households that own their home 84% 66% 63% 65%
Typical yearly property tax $2,017 $3,174 $3,876 $3,119
Effective property tax rate 0.67% 0.74% 0.81% 0.94%

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

For a typical $302,400 home in White City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, White City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,440a month

    Least cash to close
    Down payment
    $10,584
    Cash to close
    $19,656
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $134

  • Conventional, 5% down $2,385a month

    Down payment
    $15,120
    Cash to close
    $24,192
    Rate
    7.18%
    Mortgage insurance
    PMI · $144

  • Conventional, 20% down, no PMI $1,934a month

    Down payment
    $60,480
    Cash to close
    $69,552
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,213a month

    Down payment
    $45,360
    Cash to close
    $54,432
    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 White City and for Jackson County.

Property tax

Effective rate in White City

0.67%of the home’s value each year

$2,017 a year for the typical owner in White City.

  • White City 0.67%
  • Jackson 0.74%
  • 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 Jackson County

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

Homes in the high-risk zone
3.1%
2,809
Of those, with NFIP insurance
28%
County Oregon U.S.
Homes in the high-risk zone 3.1% 2.8% 3.5%
Of those, with NFIP insurance 28% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in White City

Typical rent in White City is $1,379 a month: about the same as the county.

HUD publishes a fair market rent for all of Jackson County, by unit size. To pay the 2-bedroom one ($1,539 a month) without spending more than 30% of your income, you would need to earn $29.60 an hour working full time.

HUD fair market rent for all of Jackson 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 $1,076 $20.69 $43,040
1 bedroom $1,243 $23.90 $49,720
2 bedrooms $1,539 $29.60 $61,560
3 bedrooms $2,131 $40.98 $85,240
4 bedrooms $2,543 $48.90 $101,720

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 White City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). White City is in ZIP code 97503.

For 2 bedrooms it is $1,500: $39 less than the fair market rent for Jackson County ($1,539).

  • 97503 $1,500$2,080

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

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 2 HUD-approved agencies with an office in Jackson County; 1 says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in White City

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

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

  • Access

    3630 Aviation Way, Medford · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (541) 779-6691

  • CCCS of Southern Oregon

    820 Crater Lake Ave, Medford · 7 miles away

    • Reverse mortgage counseling
    (541) 779-2273

  • Neighborworks Umpqua

    605 SE Kane St, Roseburg · 60 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (541) 673-4909

Every agency in Jackson County All counseling agencies in Oregon

Help in Spanish near White City

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 White City

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

  • Housing Authority of Jackson County Section 8 vouchers (541) 779-5785

All housing agencies in Oregon Source: HUD

Cities

Other cities in Jackson County

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

Everything about Jackson County Housing in Oregon

Nearby cities

The cities closest to White City, with the typical home value.

Neighboring counties

If Jackson 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 White City.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about White City

Short answers with the numbers for White City and all of Jackson 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 White City?

The typical home value in White City is $302,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jackson County it is $430,200.

How much does it cost to rent in White City?

Typical rent in White City is $1,379 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jackson County is $1,539.

What is the FHA loan limit in White City?

White City uses the FHA limit for all of Jackson 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 White City?

The typical homeowner in White City pays $2,017 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Jackson County, the rate is 0.74%.

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

There are 2 HUD-approved counseling agencies with an office in Jackson 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).