Total monthly cost of ownership
Cost to Own a Home in Stayton, Oregon
A $395,000 home here costs
$2,908per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,031. The real number is $878 higher every month — 43% 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.
Stayton against Marion County and Oregon
| Measure | Stayton | Marion County |
|---|---|---|
| Median home value | $395,400 | $383,300 |
| Median property tax | $3,328 | $3,382 |
| Effective tax rate | 0.842% | 0.882% |
| Median gross rent | $1,114 | $1,333 |
| Population | 8,223 | 346,532 |
The weather behind that power bill
Stayton sits in Marion County, which averages a high of 76.3°F in its hottest month and a low of 32.5°F in its coldest, with 68.92" of precipitation a year and 43% of it in a single three-month stretch. That climate drives 99 cooling and 5,992 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Marion County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Marion County
Common questions
How much does it cost to own a home in Stayton?
A $395,000 home in Stayton, Oregon costs approximately $2,908 per month with 20% down at 6.66%. That is $2,031 principal and interest, $277 property tax, $57 homeowners insurance, $214 utilities and $329 set aside for maintenance.
What is the property tax rate in Stayton?
Stayton has an effective property tax rate of 0.842%, based on a median home value of $395,400 and median real estate taxes of $3,328. That is lower than the Marion County average of 0.882%.
What is the average home price in Stayton?
The median owner-occupied home value in Stayton, Oregon is $395,400, against $383,300 across Marion County.
Is it cheaper to rent or buy in Stayton?
Median gross rent in Stayton is $1,114 a month, against $2,908 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 Stayton — 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.