Total monthly cost of ownership
Cost to Own a Home in Rogue River, Oregon
A $275,000 home here costs
$2,168per month, all in, with 20% down at today's 7.32% 30-year fixed rate. By the 28% rule that takes a household income of about $93,000 a year.
A standard mortgage calculator would have told you $1,511. The real number is $656 higher every month, 43% more than the payment most buyers budget for.
Compare Jackson County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Rogue River from a five-year rolling sample, and with about 2,092 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 Jackson 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.
Rogue River against Jackson County and Oregon
| Measure | Rogue River | Jackson County |
|---|---|---|
| Median home value | $274,800 | $400,200 |
| Median property tax | $2,149 | $3,032 |
| Effective tax rate | 0.782% | 0.758% |
| Median gross rent | $1,185 | $1,310 |
| Population | 2,092 | 222,563 |
The weather behind that power bill
Rogue River sits in Jackson County, which averages a high of 91.6°F in its hottest month and a low of 32.5°F in its coldest, with 18.43" of precipitation a year and 48% of it in a single three-month stretch. That climate drives 908 cooling and 4,203 heating degree days, which is what sets the $140 electricity line above.
See the full climate breakdown for Jackson County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jackson County
Talk to someone who works this market
These are Rogue River 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 Rogue River every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Rogue River I already own here and may sell
Common questions
How much does it cost to own a home in Rogue River?
A $275,000 home in Rogue River, Oregon costs approximately $2,168 per month with 20% down at 7.32%. That is $1,511 principal and interest, $179 property tax, $40 homeowners insurance, $208 utilities and $229 set aside for maintenance.
What is the property tax rate in Rogue River?
Rogue River has an effective property tax rate of 0.782%, based on a median home value of $274,800 and median real estate taxes of $2,149. That is higher than the Jackson County average of 0.758%.
What is the average home price in Rogue River?
The median owner-occupied home value in Rogue River, Oregon is $274,800, against $400,200 across Jackson County.
Is it cheaper to rent or buy in Rogue River?
Median gross rent in Rogue River is $1,185 a month, against $2,168 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 Rogue River?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Rogue River, Oregon at today's rate takes a household income of roughly $93,000 a year. That covers the full $2,168 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Rogue River, 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.