Cost of Ownership · Oregon
The true cost of owning a home in Oregon
For a median $454,200 home in Oregon, here is the full monthly cost — not just the mortgage. Built from public data: the state's median home value and effective property-tax rate, its average homeowners premium, and the current 30-year rate. This is a representative example, not a quote.
Lender-approved payment
$3,124/mo
PITI + PMI
True monthly cost
$3,502/mo
everything, incl. upkeep
The gap
+$379/mo
what approval leaves out
Effective property-tax rate
0.83%
Avg. homeowners premium
$893/yr
NFIP flood claims on record
6,095
These figures use Oregon’s median home value and a 10% down payment as a representative example. Your price, rate, and county rate will differ — run your own numbers in the True Cost tool, see how Oregon ranks on property tax and insurance, or browse every state.