Total monthly cost of ownership
Cost to Own a Home in Sutherlin, Oregon
A $262,000 home here costs
$1,980per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,347. The real number is $633 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.
Sutherlin against Douglas County and Oregon
| Measure | Sutherlin | Douglas County |
|---|---|---|
| Median home value | $261,700 | $283,200 |
| Median property tax | $1,955 | $1,869 |
| Effective tax rate | 0.747% | 0.660% |
| Median gross rent | $1,149 | $995 |
| Population | 8,574 | 111,807 |
The weather behind that power bill
Sutherlin sits in Douglas County, which averages a high of 85.9°F in its hottest month and a low of 36.8°F in its coldest, with 32.07" of precipitation a year and 49% of it in a single three-month stretch. That climate drives 607 cooling and 3,913 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Douglas County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Douglas County
Common questions
How much does it cost to own a home in Sutherlin?
A $262,000 home in Sutherlin, Oregon costs approximately $1,980 per month with 20% down at 6.66%. That is $1,347 principal and interest, $163 property tax, $38 homeowners insurance, $214 utilities and $218 set aside for maintenance.
What is the property tax rate in Sutherlin?
Sutherlin has an effective property tax rate of 0.747%, based on a median home value of $261,700 and median real estate taxes of $1,955. That is higher than the Douglas County average of 0.660%.
What is the average home price in Sutherlin?
The median owner-occupied home value in Sutherlin, Oregon is $261,700, against $283,200 across Douglas County.
Is it cheaper to rent or buy in Sutherlin?
Median gross rent in Sutherlin is $1,149 a month, against $1,980 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 Sutherlin — 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.