Total monthly cost of ownership
Cost to Own a Home in Scappoose, Oregon
A $430,000 home here costs
$3,141per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,211. The real number is $931 higher every month — 42% 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.
Scappoose against Columbia County and Oregon
| Measure | Scappoose | Columbia County |
|---|---|---|
| Median home value | $430,000 | $390,600 |
| Median property tax | $3,551 | $2,948 |
| Effective tax rate | 0.826% | 0.755% |
| Median gross rent | $1,699 | $1,221 |
| Population | 8,099 | 53,178 |
The weather behind that power bill
Scappoose sits in Columbia County, which averages a high of 78.2°F in its hottest month and a low of 30.9°F in its coldest, with 48.03" of precipitation a year and 48% of it in a single three-month stretch. That climate drives 84 cooling and 5,772 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Columbia County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Columbia County
Full Columbia County cost breakdown · Every county in Oregon
Common questions
How much does it cost to own a home in Scappoose?
A $430,000 home in Scappoose, Oregon costs approximately $3,141 per month with 20% down at 6.66%. That is $2,211 principal and interest, $296 property tax, $62 homeowners insurance, $214 utilities and $358 set aside for maintenance.
What is the property tax rate in Scappoose?
Scappoose has an effective property tax rate of 0.826%, based on a median home value of $430,000 and median real estate taxes of $3,551. That is higher than the Columbia County average of 0.755%.
What is the average home price in Scappoose?
The median owner-occupied home value in Scappoose, Oregon is $430,000, against $390,600 across Columbia County.
Is it cheaper to rent or buy in Scappoose?
Median gross rent in Scappoose is $1,699 a month, against $3,141 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 Scappoose — 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.