Total monthly cost of ownership
Cost to Own a Home in Astoria, Oregon
A $422,000 home here costs
$3,204per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $137,500 a year.
A standard mortgage calculator would have told you $2,301. The real number is $903 higher every month, 39% more than the payment most buyers budget for.
Compare Clatsop County with anywhere in America · full county breakdown
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 $140 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
Talk to someone who works this market
These are Astoria averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Astoria every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Astoria I already own here and may sell
Common questions
How much does it cost to own a home in Astoria?
A $422,000 home in Astoria, Oregon costs approximately $3,204 per month with 20% down at 7.24%. That is $2,301 principal and interest, $282 property tax, $61 homeowners insurance, $208 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 $3,204 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Astoria?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Astoria, Oregon at today's rate takes a household income of roughly $137,500 a year. That covers the full $3,204 monthly cost, not just the mortgage payment.
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.