Total monthly cost of ownership
Cost to Own a Home in Garden Home-Whitford, Oregon
A $603,000 home here costs
$4,340per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,100. The real number is $1,240 higher every month — 40% 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.
Garden Home-Whitford against Washington County and Oregon
| Measure | Garden Home-Whitford | Washington County |
|---|---|---|
| Median home value | $602,800 | $558,500 |
| Median property tax | $5,231 | $4,852 |
| Effective tax rate | 0.868% | 0.869% |
| Median gross rent | $1,803 | $1,773 |
| Population | 6,970 | 600,266 |
The weather behind that power bill
Garden Home-Whitford sits in Washington County, which averages a high of 82.2°F in its hottest month and a low of 32.6°F in its coldest, with 46.72" of precipitation a year and 50% of it in a single three-month stretch. That climate drives 347 cooling and 5,027 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Washington County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Washington County
Full Washington County cost breakdown · Every county in Oregon
Common questions
How much does it cost to own a home in Garden Home-Whitford?
A $603,000 home in Garden Home-Whitford, Oregon costs approximately $4,340 per month with 20% down at 6.66%. That is $3,100 principal and interest, $436 property tax, $87 homeowners insurance, $214 utilities and $503 set aside for maintenance.
What is the property tax rate in Garden Home-Whitford?
Garden Home-Whitford has an effective property tax rate of 0.868%, based on a median home value of $602,800 and median real estate taxes of $5,231. That is in line with the Washington County average of 0.869%.
What is the average home price in Garden Home-Whitford?
The median owner-occupied home value in Garden Home-Whitford, Oregon is $602,800, against $558,500 across Washington County.
Is it cheaper to rent or buy in Garden Home-Whitford?
Median gross rent in Garden Home-Whitford is $1,803 a month, against $4,340 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 Garden Home-Whitford — 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.