How much house can I afford on $180,000 in Oregon?
About $642,000 with 20% down ($512,000 with an FHA loan), using Oregon's 0.79% property tax rate.
That is $149,506 more than the typical Oregon home ($492,753), so a $180,000 salary can buy a typical home here. The payment of $4,200 covers $3,456 principal and interest, $422 property tax and $321 insurance.
Counties in Oregon you can afford on $180,000
34 of 36 counties have a typical home value at or below $642,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Clackamas County | $605,496 | +0.6% | 0.85% |
| Washington County | $555,664 | -1.5% | 0.84% |
| Benton County | $553,203 | +0.3% | 0.95% |
| Clatsop County | $518,689 | +0.4% | 0.69% |
| Tillamook County | $503,694 | +0.4% | 0.6% |
| Yamhill County | $501,668 | -0.8% | 0.73% |
| Multnomah County | $496,807 | +0.2% | 0.96% |
| Polk County | $475,672 | +1.3% | 0.8% |
| Crook County | $471,570 | +0.9% | 0.64% |
| Lincoln County | $470,173 | +0.4% | 0.81% |
| Lane County | $452,807 | +1.0% | 0.82% |
| Curry County | $448,677 | -1.4% | 0.48% |
| Columbia County | $444,644 | -0.6% | 0.74% |
| Wallowa County | $441,217 | +1.6% | 0.57% |
| Marion County | $439,746 | +0.2% | 0.84% |
| Jackson County | $431,214 | +1.1% | 0.74% |
| Jefferson County | $424,796 | +0.4% | 0.69% |
| Linn County | $408,244 | +0.3% | 0.87% |
| Wasco County | $400,158 | +2.2% | 0.77% |
| Josephine County | $388,433 | -0.1% | 0.52% |
| Coos County | $348,767 | -0.5% | 0.68% |
| Douglas County | $339,328 | +0.1% | 0.61% |
| Union County | $332,868 | +3.8% | 0.83% |
| Umatilla County | $312,771 | +2.8% | 0.9% |
| Wheeler County | $310,433 | +5.4% | 0.69% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.79% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Oregon
Frequently asked questions
How much house can I afford on $180,000 in Oregon?
About $642,000 with 20% down at 7.11%, keeping the payment (with Oregon's 0.79% property tax and insurance) under $4,200 a month.
Is $180,000 enough to buy a house in Oregon?
Yes: the typical Oregon home is worth $492,753 (Zillow, September 2026) and $180,000 supports about $642,000. 34 of 36 counties are within budget.