Total monthly cost of ownership
Cost to Own a Home in Bayside Gardens, Oregon
A $403,000 home here costs
$2,870per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,072. The real number is $798 higher every month — 39% 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.
Bayside Gardens against Tillamook County and Oregon
| Measure | Bayside Gardens | Tillamook County |
|---|---|---|
| Median home value | $403,100 | $408,600 |
| Median property tax | $2,281 | $2,449 |
| Effective tax rate | 0.566% | 0.599% |
| Median gross rent | — | $1,169 |
| Population | 1,194 | 27,471 |
The weather behind that power bill
Bayside Gardens sits in Tillamook County, which averages a high of 68.9°F in its hottest month and a low of 37.1°F in its coldest, with 84.39" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 11 cooling and 5,354 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Tillamook County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Tillamook County
Full Tillamook County cost breakdown · Every county in Oregon
Common questions
How much does it cost to own a home in Bayside Gardens?
A $403,000 home in Bayside Gardens, Oregon costs approximately $2,870 per month with 20% down at 6.66%. That is $2,072 principal and interest, $190 property tax, $58 homeowners insurance, $214 utilities and $336 set aside for maintenance.
What is the property tax rate in Bayside Gardens?
Bayside Gardens has an effective property tax rate of 0.566%, based on a median home value of $403,100 and median real estate taxes of $2,281. That is lower than the Tillamook County average of 0.599%.
What is the average home price in Bayside Gardens?
The median owner-occupied home value in Bayside Gardens, Oregon is $403,100, against $408,600 across Tillamook County.
Is it cheaper to rent or buy in Bayside Gardens?
Rent data is not published for Bayside Gardens at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Bayside Gardens — 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.