Total monthly cost of ownership
Cost to Own a Home in Pacific City, Oregon
A $519,000 home here costs
$3,711per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,668. The real number is $1,043 higher every month — 39% 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.
Pacific City against Tillamook County and Oregon
| Measure | Pacific City | Tillamook County |
|---|---|---|
| Median home value | $518,800 | $408,600 |
| Median property tax | $3,855 | $2,449 |
| Effective tax rate | 0.743% | 0.599% |
| Median gross rent | $1,226 | $1,169 |
| Population | 1,638 | 27,471 |
The weather behind that power bill
Pacific City sits in Tillamook County, which averages a high of 68.9°F in its hottest month and a low of 37.1°F in its coldest, with 84.39" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 11 cooling and 5,354 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Tillamook County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Tillamook County
Full Tillamook County cost breakdown · Every county in Oregon
Common questions
How much does it cost to own a home in Pacific City?
A $519,000 home in Pacific City, Oregon costs approximately $3,711 per month with 20% down at 6.66%. That is $2,668 principal and interest, $321 property tax, $75 homeowners insurance, $214 utilities and $433 set aside for maintenance.
What is the property tax rate in Pacific City?
Pacific City has an effective property tax rate of 0.743%, based on a median home value of $518,800 and median real estate taxes of $3,855. That is higher than the Tillamook County average of 0.599%.
What is the average home price in Pacific City?
The median owner-occupied home value in Pacific City, Oregon is $518,800, against $408,600 across Tillamook County.
Is it cheaper to rent or buy in Pacific City?
Median gross rent in Pacific City is $1,226 a month, against $3,711 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 Pacific City — 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.