Josephine County, Oregon home prices
Typical home $388,433 · -0.1% in a year · property tax 0.52%
The typical home in Josephine County is worth $388,433, 21% less than the Oregon typical home ($492,753). Values changed -0.1% in the past year and +2.5% over five years. Homeowners here pay a median 0.52% of their home's value in property tax each year ($2,004 on the typical home), versus 0.79% statewide.
Mortgage on the typical Josephine County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $77,687 | $310,746 | $2,090 | $0 | $361 | $2,452 | $105,100 |
| 10% down | $38,843 | $349,590 | $2,352 | $146 | $361 | $2,859 | $122,500 |
| 5% down | $19,422 | $369,011 | $2,482 | $154 | $361 | $2,997 | $128,500 |
| 3.5% down (FHA) | $13,595 | $381,397 | $2,566 | $172 | $361 | $3,099 | $132,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.52% 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.
What it takes: see what you can afford by salary in Oregon · part of the Grants Pass metro area.
Oregon counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Wasco County | $400,158 | +2.2% | 0.77% |
| Linn County | $408,244 | +0.3% | 0.87% |
| Jefferson County | $424,796 | +0.4% | 0.69% |
| Coos County | $348,767 | -0.5% | 0.68% |
| Jackson County | $431,214 | +1.1% | 0.74% |
| Douglas County | $339,328 | +0.1% | 0.61% |
| Marion County | $439,746 | +0.2% | 0.84% |
| Wallowa County | $441,217 | +1.6% | 0.57% |
| Union County | $332,868 | +3.8% | 0.83% |
| Columbia County | $444,644 | -0.6% | 0.74% |
Frequently asked questions
What is the average home price in Josephine County, OR?
The typical home value in Josephine County is $388,433 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Josephine County?
About $105,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Josephine County?
The median effective rate is 0.52% of home value a year (Census ACS 2024 5-year estimates).