How much house can I afford on $60,000 in Oregon?
About $214,000 with 20% down ($171,000 with an FHA loan), using Oregon's 0.79% property tax rate.
That is $278,667 less than the typical Oregon home ($492,753), so on $60,000 you'd look at cheaper areas or a smaller home. The payment of $1,400 covers $1,152 principal and interest, $141 property tax and $107 insurance.
Counties in Oregon you can afford on $60,000
1 of 36 counties have a typical home value at or below $214,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lake County | $194,326 | -4.5% | 0.71% |
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 $60,000 in Oregon?
About $214,000 with 20% down at 7.11%, keeping the payment (with Oregon's 0.79% property tax and insurance) under $1,400 a month.
Is $60,000 enough to buy a house in Oregon?
Not the typical home: the typical Oregon home is worth $492,753 (Zillow, September 2026) and $60,000 supports about $214,000. 1 of 36 counties are within budget.