Total monthly cost of ownership
Cost to Own a Home in Santa Clara, Oregon
A $382,000 home here costs
$2,771per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,964. The real number is $807 higher every month — 41% 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.
Santa Clara against Lane County and Oregon
| Measure | Santa Clara | Lane County |
|---|---|---|
| Median home value | $381,700 | $395,800 |
| Median property tax | $2,627 | $3,417 |
| Effective tax rate | 0.688% | 0.863% |
| Median gross rent | $1,571 | $1,287 |
| Population | 10,623 | 382,628 |
The weather behind that power bill
Santa Clara sits in Lane County, which averages a high of 80.0°F in its hottest month and a low of 36.9°F in its coldest, with 46.03" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 277 cooling and 4,484 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Lane County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lane County
Common questions
How much does it cost to own a home in Santa Clara?
A $382,000 home in Santa Clara, Oregon costs approximately $2,771 per month with 20% down at 6.66%. That is $1,964 principal and interest, $219 property tax, $55 homeowners insurance, $214 utilities and $318 set aside for maintenance.
What is the property tax rate in Santa Clara?
Santa Clara has an effective property tax rate of 0.688%, based on a median home value of $381,700 and median real estate taxes of $2,627. That is lower than the Lane County average of 0.863%.
What is the average home price in Santa Clara?
The median owner-occupied home value in Santa Clara, Oregon is $381,700, against $395,800 across Lane County.
Is it cheaper to rent or buy in Santa Clara?
Median gross rent in Santa Clara is $1,571 a month, against $2,771 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 Santa Clara — 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.