Lane County, Oregon home prices
Typical home $452,807 · +1.0% in a year · property tax 0.82%
The typical home in Lane County is worth $452,807, 8% less than the Oregon typical home ($492,753). Values changed +1.0% in the past year and +11.7% over five years. Homeowners here pay a median 0.82% of their home's value in property tax each year ($3,718 on the typical home), versus 0.79% statewide.
Mortgage on the typical Lane County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $90,561 | $362,246 | $2,437 | $0 | $536 | $2,973 | $127,400 |
| 10% down | $45,281 | $407,526 | $2,741 | $170 | $536 | $3,448 | $147,800 |
| 5% down | $22,640 | $430,167 | $2,894 | $179 | $536 | $3,609 | $154,700 |
| 3.5% down (FHA) | $15,848 | $444,605 | $2,991 | $200 | $536 | $3,727 | $159,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.82% 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 Eugene metro area.
Oregon counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Lincoln County | $470,173 | +0.4% | 0.81% |
| Crook County | $471,570 | +0.9% | 0.64% |
| Jackson County | $431,214 | +1.1% | 0.74% |
| Polk County | $475,672 | +1.3% | 0.8% |
| Jefferson County | $424,796 | +0.4% | 0.69% |
| Multnomah County | $496,807 | +0.2% | 0.96% |
Frequently asked questions
What is the average home price in Lane County, OR?
The typical home value in Lane County is $452,807 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lane County?
About $127,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lane County?
The median effective rate is 0.82% of home value a year (Census ACS 2024 5-year estimates).