Total monthly cost of ownership
Cost to Own a Home in Seaside, Oregon
A $414,000 home here costs
$3,022per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,128. The real number is $894 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.
Seaside against Clatsop County and Oregon
| Measure | Seaside | Clatsop County |
|---|---|---|
| Median home value | $413,800 | $437,800 |
| Median property tax | $3,295 | $3,084 |
| Effective tax rate | 0.796% | 0.704% |
| Median gross rent | $981 | $1,130 |
| Population | 7,210 | 41,343 |
The weather behind that power bill
Seaside sits in Clatsop County, which averages a high of 68.7°F in its hottest month and a low of 37.4°F in its coldest, with 70.26" of precipitation a year and 46% of it in a single three-month stretch. That climate drives 22 cooling and 4,960 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Clatsop County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Clatsop County
Common questions
How much does it cost to own a home in Seaside?
A $414,000 home in Seaside, Oregon costs approximately $3,022 per month with 20% down at 6.66%. That is $2,128 principal and interest, $275 property tax, $60 homeowners insurance, $214 utilities and $345 set aside for maintenance.
What is the property tax rate in Seaside?
Seaside has an effective property tax rate of 0.796%, based on a median home value of $413,800 and median real estate taxes of $3,295. That is higher than the Clatsop County average of 0.704%.
What is the average home price in Seaside?
The median owner-occupied home value in Seaside, Oregon is $413,800, against $437,800 across Clatsop County.
Is it cheaper to rent or buy in Seaside?
Median gross rent in Seaside is $981 a month, against $3,022 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 Seaside — 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.