Total monthly cost of ownership
Cost to Own a Home in Gold Beach, Oregon
A $369,000 home here costs
$2,627per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,897. The real number is $730 higher every month — 38% 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.
Gold Beach against Curry County and Oregon
| Measure | Gold Beach | Curry County |
|---|---|---|
| Median home value | $368,900 | $366,700 |
| Median property tax | $1,859 | $1,948 |
| Effective tax rate | 0.504% | 0.531% |
| Median gross rent | $1,094 | $1,156 |
| Population | 2,455 | 23,463 |
The weather behind that power bill
Gold Beach sits in Curry County, which averages a high of 68.8°F in its hottest month and a low of 41.7°F in its coldest, with 75.18" of precipitation a year and 48% of it in a single three-month stretch. That climate drives 20 cooling and 4,022 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Curry County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Curry County
Common questions
How much does it cost to own a home in Gold Beach?
A $369,000 home in Gold Beach, Oregon costs approximately $2,627 per month with 20% down at 6.66%. That is $1,897 principal and interest, $155 property tax, $53 homeowners insurance, $214 utilities and $308 set aside for maintenance.
What is the property tax rate in Gold Beach?
Gold Beach has an effective property tax rate of 0.504%, based on a median home value of $368,900 and median real estate taxes of $1,859. That is lower than the Curry County average of 0.531%.
What is the average home price in Gold Beach?
The median owner-occupied home value in Gold Beach, Oregon is $368,900, against $366,700 across Curry County.
Is it cheaper to rent or buy in Gold Beach?
Median gross rent in Gold Beach is $1,094 a month, against $2,627 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 Gold Beach — 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.