Total monthly cost of ownership
Cost to Own a Home in Cascade Locks, Oregon
A $331,000 home here costs
$2,444per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,702. The real number is $743 higher every month — 44% 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.
Cascade Locks against Hood River County and Oregon
| Measure | Cascade Locks | Hood River County |
|---|---|---|
| Median home value | $330,800 | $571,200 |
| Median property tax | $2,459 | $3,359 |
| Effective tax rate | 0.743% | 0.588% |
| Median gross rent | $1,178 | $1,381 |
| Population | 1,529 | 23,958 |
The weather behind that power bill
Cascade Locks sits in Hood River County, which averages a high of 79.6°F in its hottest month and a low of 27.3°F in its coldest, with 36" of precipitation a year and 51% of it in a single three-month stretch. That climate drives 132 cooling and 6,379 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Hood River County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Hood River County
Full Hood River County cost breakdown · Every county in Oregon
Common questions
How much does it cost to own a home in Cascade Locks?
A $331,000 home in Cascade Locks, Oregon costs approximately $2,444 per month with 20% down at 6.66%. That is $1,702 principal and interest, $205 property tax, $48 homeowners insurance, $214 utilities and $276 set aside for maintenance.
What is the property tax rate in Cascade Locks?
Cascade Locks has an effective property tax rate of 0.743%, based on a median home value of $330,800 and median real estate taxes of $2,459. That is higher than the Hood River County average of 0.588%.
What is the average home price in Cascade Locks?
The median owner-occupied home value in Cascade Locks, Oregon is $330,800, against $571,200 across Hood River County.
Is it cheaper to rent or buy in Cascade Locks?
Median gross rent in Cascade Locks is $1,178 a month, against $2,444 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 Cascade Locks — 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.