Oregon Mortgage Rates & Home Prices (2026)
Median price: $475,000 · Avg. rate: 6.82%
Oregon Market Overview
$475,000
Median Home Price
6.82%
Avg. 30-Yr Rate
0.93%
Property Tax Rate
63.0%
Homeownership Rate
Oregon's Portland metro drives the housing market with high prices, while eastern Oregon is much more affordable. No sales tax but property taxes are moderate. Oregon Housing offers competitive rates and up to $15,000 in forgivable DPA.
Estimated Monthly Payment
Median home in Oregon (20% down, 30-yr fixed)
$3,048/mo
Principal & Interest$2,482
Property Taxes$368
Home Insurance (est.)$198
Total Monthly (PITI)$3,048
Based on a $475,000 home with 20% down ($380,000 loan) at 6.82%. Does not include PMI, HOA, or other fees.
First-Time Buyer Programs in Oregon
- Oregon Bond Residential Loan
- Oregon Cash Advantage DPA
- Flex Lending DPA
Contact your state's Housing Finance Agency for current program availability and requirements.
Rate Comparison: OR Rates
30-Year Fixed6.82%
15-Year Fixed6.04%
5/1 ARM (est.)6.07%
FHA 30-Year6.67%
VA 30-Year6.57%
Rates are estimates based on state averages and may vary by lender and borrower qualifications.
Frequently Asked Questions
Key Stats: OR
FHA Loan Limit$517,500
Median Income$76,362
Cost Index1.18x