Coos Bay, OR home prices
Typical home $348,739 · -0.5% in a year · income needed $96,300
The Coos Bay, OR metro area ranks 227 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -0.5% in a year and +10.0% over five years. With 20% down at 7.11%, the typical home costs about $2,248 a month including 0.68% property tax (Coos County rate).
Mortgage on the typical Coos Bay home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $69,748 | $278,991 | $1,877 | $0 | $371 | $2,248 | $96,300 |
| 10% down | $34,874 | $313,865 | $2,111 | $131 | $371 | $2,613 | $112,000 |
| 5% down | $17,437 | $331,302 | $2,229 | $138 | $371 | $2,738 | $117,300 |
| 3.5% down (FHA) | $12,206 | $342,423 | $2,303 | $154 | $371 | $2,829 | $121,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.68% 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.
Counties in the Coos Bay area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Coos County, OR | $348,767 | -0.5% | 0.68% |
What can you afford in Oregon on your salary? · Oregon home prices · Salaries in Oregon
Frequently asked questions
How much is a house in Coos Bay?
The typical home in the Coos Bay, OR metro area is worth $348,739 (Zillow, September 2026).
What salary do you need to buy a house in Coos Bay?
About $96,300 a year for the typical home with 20% down at 7.11%.