Lincoln County, Oregon home prices
Typical home $470,173 · +0.4% in a year · property tax 0.81%
The typical home in Lincoln County is worth $470,173, 5% less than the Oregon typical home ($492,753). Values changed +0.4% in the past year and +14.1% over five years. Homeowners here pay a median 0.81% of their home's value in property tax each year ($3,802 on the typical home), versus 0.79% statewide.
Mortgage on the typical Lincoln County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $94,035 | $376,138 | $2,530 | $0 | $552 | $3,082 | $132,100 |
| 10% down | $47,017 | $423,155 | $2,847 | $176 | $552 | $3,575 | $153,200 |
| 5% down | $23,509 | $446,664 | $3,005 | $186 | $552 | $3,743 | $160,400 |
| 3.5% down (FHA) | $16,456 | $461,657 | $3,106 | $208 | $552 | $3,865 | $165,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.81% 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 Newport metro area.
Oregon counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Crook County | $471,570 | +0.9% | 0.64% |
| Polk County | $475,672 | +1.3% | 0.8% |
| Lane County | $452,807 | +1.0% | 0.82% |
| Curry County | $448,677 | -1.4% | 0.48% |
| Columbia County | $444,644 | -0.6% | 0.74% |
| Multnomah County | $496,807 | +0.2% | 0.96% |
| Wallowa County | $441,217 | +1.6% | 0.57% |
| Marion County | $439,746 | +0.2% | 0.84% |
| Yamhill County | $501,668 | -0.8% | 0.73% |
| Tillamook County | $503,694 | +0.4% | 0.6% |
Frequently asked questions
What is the average home price in Lincoln County, OR?
The typical home value in Lincoln County is $470,173 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lincoln County?
About $132,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lincoln County?
The median effective rate is 0.81% of home value a year (Census ACS 2024 5-year estimates).