Housing affordability index in Oregon
Housing affordability index in Oregon: puts one number on the housing question: 33.5% of the state's median household income goes to principal and interest on a median-priced home at today's rate.
30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).
Share of income
33.5%
principal + interest
Monthly payment
$2,187
on a $421,082 home
Median income
$78,474
households, ACS 5-year
| Rank | County | Share of income | Monthly P&I |
|---|---|---|---|
| 1 | Deschutes County | 40% | $2,733 |
| 2 | Josephine County | 39.3% | $1,838 |
| 3 | Hood River County | 38.2% | $2,558 |
| 4 | Benton County | 37.8% | $2,297 |
| 5 | Clatsop County | 37.4% | $2,118 |
| 6 | Lincoln County | 37.2% | $1,794 |
| 7 | Multnomah County | 36.7% | $2,556 |
| 8 | Tillamook County | 35.9% | $1,886 |
| 9 | Lane County | 34.8% | $1,890 |
| 10 | Clackamas County | 34.6% | $2,764 |
| 11 | Curry County | 34.2% | $1,835 |
| 12 | Jackson County | 34% | $1,919 |
| 13 | Wallowa County | 33.7% | $1,750 |
| 14 | Yamhill County | 31.8% | $2,122 |
| 15 | Washington County | 31.4% | $2,619 |
| 16 | Marion County | 31% | $1,831 |
| 17 | Polk County | 30.8% | $1,985 |
| 18 | Crook County | 30.6% | $1,912 |
| 19 | Wasco County | 30.3% | $1,549 |
| 20 | Coos County | 29.9% | $1,435 |
| 21 | Douglas County | 29% | $1,363 |
| 22 | Linn County | 28.7% | $1,661 |
| 23 | Baker County | 27.9% | $1,200 |
| 24 | Jefferson County | 27.6% | $1,596 |
| 25 | Columbia County | 27.3% | $1,896 |
| 26 | Klamath County | 25.5% | $1,216 |
| 27 | Union County | 24.5% | $1,264 |
| 28 | Malheur County | 24.2% | $974 |
| 29 | Harney County | 23.9% | $904 |
| 30 | Wheeler County | 23.9% | $1,012 |
| 31 | Umatilla County | 21% | $1,230 |
| 32 | Grant County | 20.6% | $964 |
| 33 | Morrow County | 20.5% | $1,111 |
| 34 | Sherman County | 20.3% | $968 |
| 35 | Lake County | 19.3% | $878 |
| 36 | Gilliam County | 16.2% | $787 |
Methodology
Every county figure for Oregon uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.
The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.
Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.
Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.