CALCMONEY // MORTGAGE // OR
Calculate your monthly mortgage payment using Oregon-specific property tax rates, current average interest rates, and local median home prices.
Open Full Calculator$502,156
6.76%
0.81%
4.75%–9.9%
How today's 6.76% rate compares to recent years
| Period | 30-Yr Rate | vs. Today |
|---|---|---|
| 2026 (current) | 6.76% | — |
| 2024 avg | 7.18% | -0.42% |
| 2023 avg | 7.61% | -0.85% |
| 2022 peak | 7.44% | -0.68% |
| 2021 avg | 3.36% | +3.40% |
| 2020 avg | 3.16% | +3.60% |
Rate estimates based on Freddie Mac Primary Mortgage Market Survey national averages adjusted for Oregon market conditions. Actual rates vary by lender and borrower profile.
| Principal & Interest | $2,608 |
| Property Tax | $339 |
| Homeowners Insurance (est.) | $167 |
| Total Monthly Payment (PITI) | $3,115 |
$100,431
$537,245
$133,482/yr
$502,156 is the median home price across Oregon, set against a $85,220 median household income for a 5.9x price-to-income ratio, 20% above the national median price.
Property taxes in Oregon average 0.81% of assessed value, below the 1.1% national average. On the median home, that's $4,067 a year, or $339 added to the monthly payment.
Unlike the nine no-income-tax states, Oregon taxes wage income at 4.75%–9.9%. Worth running your actual take-home pay against the $3,115/month payment here before locking in a target price.
Day-to-day expenses statewide track at 113 against the national 100 baseline, above average once you look past the mortgage payment itself.
Oregon's median home price runs 3% lower than Rhode Island: $515,289 there versus $502,156 here.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $401,725 loan saves $18,078 in interest over 30 years.
Compare Top Oregon Mortgage LendersRhode Island
$515,289 median
NHNew Hampshire
$521,177 median
IDIdaho
$481,825 median
NYNew York
$527,312 median