Total monthly cost of ownership
Cost to Own a Home in Garden Home-Whitford, Oregon
A $603,000 home here costs
$4,522per 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 $194,000 a year.
A standard mortgage calculator would have told you $3,288. The real number is $1,234 higher every month, 38% more than the payment most buyers budget for.
Compare Washington County with anywhere in America · full county breakdown
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 $140 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
Talk to someone who works this market
These are Garden Home-Whitford 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 Garden Home-Whitford every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Garden Home-Whitford I already own here and may sell
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 $4,522 per month with 20% down at 7.24%. That is $3,288 principal and interest, $436 property tax, $87 homeowners insurance, $208 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 $4,522 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 Garden Home-Whitford?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Garden Home-Whitford, Oregon at today's rate takes a household income of roughly $194,000 a year. That covers the full $4,522 monthly cost, not just the mortgage payment.
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.