Total monthly cost of ownership
Cost to Own a Home in Astoria, Oregon
A $422,000 home here costs
$3,079per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,170. The real number is $909 higher every month — 42% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Astoria against Clatsop County and Oregon
| Measure | Astoria | Clatsop County |
|---|---|---|
| Median home value | $422,400 | $437,800 |
| Median property tax | $3,390 | $3,084 |
| Effective tax rate | 0.803% | 0.704% |
| Median gross rent | $1,135 | $1,130 |
| Population | 10,162 | 41,343 |
The weather behind that power bill
Astoria sits in Clatsop County, which averages a high of 68.7°F in its hottest month and a low of 37.4°F in its coldest, with 70.26" of precipitation a year and 46% of it in a single three-month stretch. That climate drives 22 cooling and 4,960 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Clatsop County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Clatsop County
Common questions
How much does it cost to own a home in Astoria?
A $422,000 home in Astoria, Oregon costs approximately $3,079 per month with 20% down at 6.66%. That is $2,170 principal and interest, $282 property tax, $61 homeowners insurance, $214 utilities and $352 set aside for maintenance.
What is the property tax rate in Astoria?
Astoria has an effective property tax rate of 0.803%, based on a median home value of $422,400 and median real estate taxes of $3,390. That is higher than the Clatsop County average of 0.704%.
What is the average home price in Astoria?
The median owner-occupied home value in Astoria, Oregon is $422,400, against $437,800 across Clatsop County.
Is it cheaper to rent or buy in Astoria?
Median gross rent in Astoria is $1,135 a month, against $3,079 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Astoria — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Oregon.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.