In Winston, a typical home is worth $244,100 and typical rent is $980 a month. Compared with all of Douglas County, the typical home value is 21% lower and typical household income is 8% lower.
Typical home value from Zillow, September 2021 to September 2026: from $266,974 to $307,380.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Winston is in Douglas 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 Douglas County. See the county
What this place has that others do not, from public data, most unusual first.
1
Winston has the 4th lowest typical home value of the 105 cities in Oregon with more than 5,000 people ($244,100).
2
Winston has the 7th lowest typical rent of the 102 cities in Oregon with more than 5,000 people ($980).
3
Winston has the 10th lowest typical household income of the 105 cities in Oregon with more than 5,000 people ($56,667).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Winston
What homes there are in Winston, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Winston
Douglas County
Oregon
United States
Kind of home: Winston and its comparisons
Measure
Winston
Douglas County
Oregon
United States
Detached house
67%
68%
63%
61%
Attached house
Unreliable estimate
3%
5%
6%
Building of 2 to 4
13%
5%
7%
8%
Apartments (5 or more)
Unreliable estimate
6%
18%
19%
Mobile home
13%
18%
7%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Winston, 7 in 10 homes are single-family detached houses, about the same as in Douglas County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Winston
Douglas County
Oregon
United States
Year built: Winston and its comparisons
Measure
Winston
Douglas County
Oregon
United States
Before 1960
28%
29%
23%
26%
1960–1979
22%
29%
26%
24%
1980–1999
28%
23%
25%
25%
2000–2009
15%
13%
14%
14%
2010 or later
7%
7%
12%
11%
In Winston, half of the homes were built before 1980; in Douglas County, before 1977.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K15%
$100K–$200K15%
$200K–$300K33%
$300K–$500K29%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Winston and its comparisons
Measure
Winston
Under $100K
15%
$100K–$200K
15%
$200K–$300K
33%
$300K–$500K
29%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
At least 92% of owner-occupied homes in Winston are worth less than $500,000, below the FHA loan limit for Douglas County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99947%
$1,000–$1,49943%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Winston and its comparisons
Measure
Winston
Under $500
Unreliable estimate
$500–$999
47%
$1,000–$1,499
43%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,396 a month
Douglas County: $1,553 a month
Without a mortgage
$619 a month
Douglas County: $518 a month
Owners with a mortgage
57%
Douglas County: 52%
In Winston, 57% of owners have a mortgage, and their typical cost is $1,396 a month, against $1,553 in Douglas County. Without one it drops to $619.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Winston+53%
Douglas County+56%
Oregon+53%
United States+53%
Typical rent
Winston+18%
Douglas County+28%
Oregon+37%
United States+33%
Typical household income
WinstonNo clear change
Douglas County+30%
Oregon+32%
United States+29%
Change since 2015–2019: Winston and its comparisons
Measure
Winston
Douglas County
Oregon
United States
Typical home value
+53%
+56%
+53%
+53%
Typical rent
+18%
+28%
+37%
+33%
Typical household income
No clear change
+30%
+32%
+29%
Much as in Douglas County, the typical home value in Winston rose 53% since 2015–2019.
The typical rent in Winston rose 18% over the same time; in Douglas County, it rose 28%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Winston and its comparisons
Measure
Winston
Douglas County
Oregon
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.7%
0.9%
More than one person per room
Unreliable estimate
2.1%
3.2%
3.4%
People per household
2.16
2.31
2.42
2.53
Drive alone
67%
71%
65%
69%
Carpool
Unreliable estimate
12%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
2%
3%
Walk or bike
Unreliable estimate
3%
5%
3%
Work from home
17%
12%
19%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in Winston are smaller: 2.16 people on average; in Douglas County, 2.31.
Working from home is more common in Winston: 17%, against 12% in Douglas County.
Do the math
What would you pay each month for a home in Winston?
A typical home costs more than the typical income allows
We start with a typical home in Winston, worth $244,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Winston, which is $56,667 a year. For that payment to be 28% of income, a household would need to earn about $86,243 a year.
The calculator's FHA and conventional loan limits are those of all of Douglas County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Winston. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $8,544 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,012
at 7.18% · 30 years
Loan amount
$239,678
Total interest
$344,841
Paid off in
November 2056
Includes $4,122 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,322 a month
Tight
$1,322 to $1,700 a month
Hard
more than $1,700 a month
Your payment · 43%
Compared with the typical household income in Winston ($56,667 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,624
Property tax
$179
Home insurance
$102
FHA mortgage insurance (MIP)
$108
You need at least $8,544 for the down payment, plus closing costs.
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.
Total monthly payment $2,012; principal and interest $1,624.
The city and its county
Winston and Douglas County
Winston is in Douglas 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).
Winston
Map of Douglas County, Oregon, with Winston marked. Around it, the neighboring counties.
Winston
Douglas County
Other cities with a page
Winston's own numbers
Typical home value
$244,100
Typical monthly rent
$980
Typical yearly household income
$56,667
Households that own their home
71%
Effective property tax rate
0.88%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Douglas County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,212
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
8.1%
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 Douglas County.
A typical home in Winston is worth $244,100: 21% below the county and 49% below Oregon. With the typical household income in Winston ($56,667 a year), a typical home costs 4.3 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.
Winston4.3 years
Douglas5.1 years
Oregon5.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Douglas County
According to FHFA’s house price index, home prices in Douglas County rose 98% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Douglas County.
Yearly change in FHFA’s price index in Douglas County, 2016 to 2025
2016: +6.7% +6.7% 2016
2017: +8.5% +8.5% 2017
2018: +5.4% +5.4% 2018
2019: +6.6% +6.6% 2019
2020: +5.6% +5.6% 2020
2021: +15.5% +15.5% 2021
2022: +15.3% +15.3% 2022
2023: +4.9% +4.9% 2023
2024: +1.6% +1.6% 2024
2025: +1.7% +1.7% 2025
Change in FHFA’s price index in Douglas County, Oregon and the United States
Period
County
Oregon
U.S.
Last year (2025)
+1.7%
+0.9%
+2.9%
5 years (2020–2025)
+45%
+35%
+47%
10 years (2015–2025)
+98%
+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
Winston next to Douglas 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
Winston$244,100
Douglas$310,300
Oregon$477,600
United States$332,700
Typical monthly rent
Winston$980
Douglas$1,055
Oregon$1,525
United States$1,413
Typical yearly household income
Winston$56,667
Douglas$61,310
Oregon$83,011
United States$80,734
See the full table
Winston next to Douglas County and Oregon
Measure
Winston
Douglas County
Oregon
U.S.
Typical home value
$244,100 ▼21% below the county
$310,300
$477,600
$332,700
Typical monthly rent
$980 ▼7% below the county
$1,055
$1,525
$1,413
Typical yearly household income
$56,667 ▼8% below the county
$61,310
$83,011
$80,734
Households that own their home
71% ▼2 points below the county
73%
63%
65%
Typical yearly property tax
$2,156 ▲14% above the county
$1,895
$3,876
$3,119
Effective property tax rate
0.88% ▲0.27 points above the county
0.61%
0.81%
0.94%
Renters with high rent for their income
54% ▲2 points above the county
51%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Douglas 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 Winston
For a typical $244,100 home in Winston, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Winston's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,012a month
Least cash to close
Down payment
$8,544
Cash to close
$15,867
Rate
7.18%
Mortgage insurance
FHA MIP · $108
Conventional, 5% down$1,968a month
Down payment
$12,205
Cash to close
$19,528
Rate
7.18%
Mortgage insurance
PMI · $116
Conventional, 20% down, no PMI$1,604a month
Down payment
$48,820
Cash to close
$56,143
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,829a month
Down payment
$36,615
Cash to close
$43,938
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Winston
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,012
$8,544
$239,679
7.18%
FHA MIP · $108
$15,867
580
Conventional, 5% down
$1,968
$12,205
$231,895
7.18%
PMI · $116
$19,528
620*
Conventional, 20% down, no PMI
$1,604
$48,820
$195,280
7.18%
None
$56,143
620*
ITIN, 15% down (example)
$1,829
$36,615
$207,485
8.18%
None
$43,938
Set by the lender
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.
Typical rent in Winston is $980 a month: 7% below the county. In Winston, 54% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Douglas County, by unit size. To pay the 2-bedroom one ($1,212 a month) without spending more than 30% of your income, you would need to earn $23.31 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Douglas County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$844
$16.23
$33,760
1 bedroom
$926
$17.81
$37,040
2 bedrooms
$1,212
$23.31
$48,480
3 bedrooms
$1,678
$32.27
$67,120
4 bedrooms
$2,026
$38.96
$81,040
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 Winston
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Winston is in ZIP code 97496.
For 2 bedrooms it is $1,180: $32 less than the fair market rent for Douglas County ($1,212).
Fair market rent by ZIP code and size in Winston, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
97496
$820
$900
$1,180
$1,630
$1,970
ZIP code2 bd3 bd
97496 $1,180$1,630
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Winston 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 3 buildings with rents for lower incomes in Winston. These are the largest.
Two Rivers Winston189 NW Glenhart Ave, Winston 9749658 low-income homes · 1 bd: 8 · 2 bd: 14 · 3 bd: 12 · In service since 2019
Pine Tree - Oregon 1209 NW Glenhart Ave, Winston 9749636 low-income homes · 1 bd: 6 · 2 bd: 18 · 3 bd: 12 · In service since 2006 · For families(541) 679-2068
Blue Ridge319 Hart St, Winston 9749671 homes, 35 low-income · For older adults(541) 679-9505
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 Douglas County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Winston or Douglas County. The ones below are statewide in Oregon: they work in Winston the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Winston or Douglas County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Winston and all of Douglas 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 Winston?
The typical home value in Winston is $244,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Douglas County it is $310,300.
How much does it cost to rent in Winston?
Typical rent in Winston is $980 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Douglas County is $1,212.
What is the FHA loan limit in Winston?
Winston uses the FHA limit for all of Douglas 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 Winston?
The typical homeowner in Winston pays $2,156 a year, according to the U.S. Census Bureau. That is 0.88% of the home’s value; in Douglas County, the rate is 0.61%.
Where can I find free help to buy or rent in Winston?
There is 1 HUD-approved counseling agency with an office in Douglas County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
