Oregon (OR) · West Real Estate Profile
Oregon Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in Oregon. In Oregon, the effective statewide property tax rate averages 0.93% and homeowners insurance averages 0.38% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax0.93%
Homeowners Insurance0.38%
Median Home Price$510,000
Conforming Loan Limit$766,550
Property Tax Context for Oregon: At 0.93%, a median-priced home of $510,000 pays roughly $4,743 per year in property taxes ($395/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View Oregon Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for Oregon residents.
Monthly Payment Benchmarks in Oregon (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | OR Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $145/mo | $1,153/mo | $49,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $242/mo | $1,921/mo | $82,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $339/mo | $2,690/mo | $115,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $436/mo | $3,458/mo | $148,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $533/mo | $4,227/mo | $181,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $727/mo | $5,764/mo | $247,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $969/mo | $7,685/mo | $329,000/yr | View schedule → |
Browse all 25 loan amounts in Oregon
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in OR$769/mo$150k in OR$1,153/mo$200k in OR$1,537/mo$250k in OR$1,921/mo$300k in OR$2,306/mo$350k in OR$2,690/mo$400k in OR$3,074/mo$450k in OR$3,458/mo$500k in OR$3,843/mo$550k in OR$4,227/mo$600k in OR$4,611/mo$650k in OR$4,995/mo$700k in OR$5,380/mo$750k in OR$5,764/mo$800k in OR$6,148/mo$850k in OR$6,532/mo$900k in OR$6,917/mo$950k in OR$7,301/mo$1 million in OR$7,685/mo$1.1 million in OR$8,454/mo$1.2 million in OR$9,222/mo$1.3 million in OR$9,991/mo$1.4 million in OR$10,759/mo$1.5 million in OR$11,528/mo$2 million in OR$15,371/mo
Explore neighboring West states
Compare mortgage payment benchmarks and property taxes across neighboring West jurisdictions:
Alaska (1.18% tax)View guide →Arizona (0.60% tax)View guide →California (0.73% tax)View guide →Colorado (0.55% tax)View guide →Hawaii (0.31% tax)View guide →Idaho (0.63% tax)View guide →
Closing Costs & Transfer Tax in Oregon
Statewide transfer tax is prohibited; Washington County retains a grandfathered $1.00 per $1,000 transfer tax.