Total monthly cost of ownership
Cost to Own a Home in Dayton, Oregon
A $373,000 home here costs
$2,748per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,918. The real number is $831 higher every month — 43% 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.
Dayton against Yamhill County and Oregon
| Measure | Dayton | Yamhill County |
|---|---|---|
| Median home value | $372,900 | $442,700 |
| Median property tax | $3,021 | $3,318 |
| Effective tax rate | 0.810% | 0.749% |
| Median gross rent | $1,882 | $1,377 |
| Population | 2,668 | 108,122 |
The weather behind that power bill
Dayton sits in Yamhill County, which averages a high of 83.1°F in its hottest month and a low of 34.4°F in its coldest, with 37.64" of precipitation a year and 47% of it in a single three-month stretch. That climate drives 284 cooling and 4,694 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Yamhill County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Yamhill County
Common questions
How much does it cost to own a home in Dayton?
A $373,000 home in Dayton, Oregon costs approximately $2,748 per month with 20% down at 6.66%. That is $1,918 principal and interest, $252 property tax, $54 homeowners insurance, $214 utilities and $311 set aside for maintenance.
What is the property tax rate in Dayton?
Dayton has an effective property tax rate of 0.810%, based on a median home value of $372,900 and median real estate taxes of $3,021. That is higher than the Yamhill County average of 0.749%.
What is the average home price in Dayton?
The median owner-occupied home value in Dayton, Oregon is $372,900, against $442,700 across Yamhill County.
Is it cheaper to rent or buy in Dayton?
Median gross rent in Dayton is $1,882 a month, against $2,748 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 Dayton — 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.