Eugene, OR home prices
Typical home $452,797 · +1.0% in a year · income needed $127,400
The Eugene, OR metro area ranks 98 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.0% in a year and +11.7% over five years. With 20% down at 7.11%, the typical home costs about $2,973 a month including 0.82% property tax (Lane County rate).
Mortgage on the typical Eugene home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $90,559 | $362,238 | $2,437 | $0 | $536 | $2,973 | $127,400 |
| 10% down | $45,280 | $407,517 | $2,741 | $170 | $536 | $3,447 | $147,700 |
| 5% down | $22,640 | $430,157 | $2,894 | $179 | $536 | $3,609 | $154,700 |
| 3.5% down (FHA) | $15,848 | $444,596 | $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.
Counties in the Eugene area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lane County, OR | $452,807 | +1.0% | 0.82% |
What can you afford in Oregon on your salary? · Oregon home prices · Salaries in Oregon
Frequently asked questions
How much is a house in Eugene?
The typical home in the Eugene, OR metro area is worth $452,797 (Zillow, September 2026).
What salary do you need to buy a house in Eugene?
About $127,400 a year for the typical home with 20% down at 7.11%.