Total monthly cost of ownership
Cost to Own a Home in Estacada, Oregon
A $460,000 home here costs
$3,354per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,365. The real number is $989 higher every month — 42% 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.
Estacada against Clackamas County and Oregon
| Measure | Estacada | Clackamas County |
|---|---|---|
| Median home value | $459,800 | $577,900 |
| Median property tax | $3,897 | $5,051 |
| Effective tax rate | 0.848% | 0.874% |
| Median gross rent | — | $1,693 |
| Population | 4,878 | 422,308 |
The weather behind that power bill
Estacada sits in Clackamas County, which averages a high of 79.0°F in its hottest month and a low of 32.5°F in its coldest, with 68.95" of precipitation a year and 44% of it in a single three-month stretch. That climate drives 201 cooling and 5,625 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Clackamas County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Clackamas County
Full Clackamas County cost breakdown · Every county in Oregon
Common questions
How much does it cost to own a home in Estacada?
A $460,000 home in Estacada, Oregon costs approximately $3,354 per month with 20% down at 6.66%. That is $2,365 principal and interest, $325 property tax, $66 homeowners insurance, $214 utilities and $383 set aside for maintenance.
What is the property tax rate in Estacada?
Estacada has an effective property tax rate of 0.848%, based on a median home value of $459,800 and median real estate taxes of $3,897. That is lower than the Clackamas County average of 0.874%.
What is the average home price in Estacada?
The median owner-occupied home value in Estacada, Oregon is $459,800, against $577,900 across Clackamas County.
Is it cheaper to rent or buy in Estacada?
Rent data is not published for Estacada at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Estacada — 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.