Total monthly cost of ownership
Cost to Own a Home in Rogue River, Oregon
A $275,000 home here costs
$2,076per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,414. The real number is $662 higher every month — 47% 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.
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 $146 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
Common questions
How much does it cost to own a home in Rogue River?
A $275,000 home in Rogue River, Oregon costs approximately $2,076 per month with 20% down at 6.66%. That is $1,414 principal and interest, $179 property tax, $40 homeowners insurance, $214 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 $2,076 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 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.