Oregon Housing & Mortgage Data 2026
| Factor | Oregon Data |
|---|---|
| Average Property Tax Rate | 0.97% of assessed value/year |
| Property Tax on $400k Home | ~$3,880/year ($323/mo) |
| 30-Year Fixed Rate (2026 avg) | ~6.65% (varies by lender + credit) |
| State Income Tax | 4.75%–9.9% |
| Sales Tax Rate | 0% |
Monthly Payment Estimate: Oregon
| Home Price | 20% Down | P&I (6.5%) | + Oregon Tax/mo | Total PITI est. |
|---|---|---|---|---|
| $300,000 | $60k | $1,517 | ~$243 | ~$1,873 |
| $400,000 | $80k | $2,025 | ~$323 | ~$2,498 |
| $500,000 | $100k | $2,528 | ~$404 | ~$3,120 |
| $600,000 | $120k | $3,034 | ~$485 | ~$3,744 |
| $750,000 | $150k | $3,791 | ~$606 | ~$4,678 |
P&I = Principal & Interest at 6.5% rate, 30-year fixed. PITI adds estimated Oregon property tax + homeowners insurance (~0.45% annually). PMI not included (assumes 20% down).
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Use the Free Calculator →Frequently Asked Questions
What is the property tax rate in Oregon?
Oregon's average effective property tax rate is 0.97% annually. On a $400,000 home, that's approximately $3,880/year or $323/month in taxes.
Is Oregon expensive to buy a home in?
Oregon's property tax rate of 0.97% is near the national average in the US. Property taxes are a manageable portion of your total housing cost.
Related: PITI Calculator · PMI Calculator · Refinance Calculator