Total monthly cost of ownership
Cost to Own a Home in Culver, Oregon
A $295,000 home here costs
$2,282per 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 $98,000 a year.
A standard mortgage calculator would have told you $1,608. The real number is $674 higher every month, 42% more than the payment most buyers budget for.
Compare Jefferson County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Culver from a five-year rolling sample, and with about 2,211 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Jefferson County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Culver against Jefferson County and Oregon
| Measure | Culver | Jefferson County |
|---|---|---|
| Median home value | $294,500 | $339,200 |
| Median property tax | $2,122 | $2,506 |
| Effective tax rate | 0.721% | 0.739% |
| Median gross rent | $1,326 | $957 |
| Population | 2,211 | 24,973 |
The weather behind that power bill
Culver sits in Jefferson County, which averages a high of 87.1°F in its hottest month and a low of 23.2°F in its coldest, with 11.2" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 366 cooling and 6,185 heating degree days, which is what sets the $140 electricity line above.
See the full climate breakdown for Jefferson County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jefferson County
Full Jefferson County cost breakdown · Every county in Oregon
Talk to someone who works this market
These are Culver 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 Culver every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Culver I already own here and may sell
Common questions
How much does it cost to own a home in Culver?
A $295,000 home in Culver, Oregon costs approximately $2,282 per month with 20% down at 7.24%. That is $1,608 principal and interest, $177 property tax, $43 homeowners insurance, $208 utilities and $246 set aside for maintenance.
What is the property tax rate in Culver?
Culver has an effective property tax rate of 0.721%, based on a median home value of $294,500 and median real estate taxes of $2,122. That is lower than the Jefferson County average of 0.739%.
What is the average home price in Culver?
The median owner-occupied home value in Culver, Oregon is $294,500, against $339,200 across Jefferson County.
Is it cheaper to rent or buy in Culver?
Median gross rent in Culver is $1,326 a month, against $2,282 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 Culver?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Culver, Oregon at today's rate takes a household income of roughly $98,000 a year. That covers the full $2,282 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Culver, 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.