Total monthly cost of ownership
Cost to Own a Home in Estacada, Oregon
A $460,000 home here costs
$3,491per 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 $149,500 a year.
A standard mortgage calculator would have told you $2,508. The real number is $983 higher every month, 39% more than the payment most buyers budget for.
Compare Clackamas County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Estacada from a five-year rolling sample, and with about 4,878 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 Clackamas 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.
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 $140 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
Talk to someone who works this market
These are Estacada 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 Estacada every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Estacada I already own here and may sell
Common questions
How much does it cost to own a home in Estacada?
A $460,000 home in Estacada, Oregon costs approximately $3,491 per month with 20% down at 7.24%. That is $2,508 principal and interest, $325 property tax, $66 homeowners insurance, $208 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.
What salary do you need to buy a home in Estacada?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Estacada, Oregon at today's rate takes a household income of roughly $149,500 a year. That covers the full $3,491 monthly cost, not just the mortgage payment.
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.