Total monthly cost of ownership
Cost to Own a Home in Tillamook, Oregon
A $272,000 home here costs
$2,102per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $90,000 a year.
A standard mortgage calculator would have told you $1,483. The real number is $619 higher every month, 42% more than the payment most buyers budget for.
Compare Tillamook County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Tillamook against Tillamook County and Oregon
| Measure | Tillamook | Tillamook County |
|---|---|---|
| Median home value | $272,300 | $408,600 |
| Median property tax | $1,744 | $2,449 |
| Effective tax rate | 0.640% | 0.599% |
| Median gross rent | $1,098 | $1,169 |
| Population | 5,229 | 27,471 |
The weather behind that power bill
Tillamook sits in Tillamook County, which averages a high of 68.9°F in its hottest month and a low of 37.1°F in its coldest, with 84.39" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 11 cooling and 5,354 heating degree days, which is what sets the $140 electricity line above.
See the full climate breakdown for Tillamook County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Tillamook County
Full Tillamook County cost breakdown · Every county in Oregon
Talk to someone who works this market
These are Tillamook averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Tillamook every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Tillamook I already own here and may sell
Common questions
How much does it cost to own a home in Tillamook?
A $272,000 home in Tillamook, Oregon costs approximately $2,102 per month with 20% down at 7.24%. That is $1,483 principal and interest, $145 property tax, $39 homeowners insurance, $208 utilities and $227 set aside for maintenance.
What is the property tax rate in Tillamook?
Tillamook has an effective property tax rate of 0.640%, based on a median home value of $272,300 and median real estate taxes of $1,744. That is higher than the Tillamook County average of 0.599%.
What is the average home price in Tillamook?
The median owner-occupied home value in Tillamook, Oregon is $272,300, against $408,600 across Tillamook County.
Is it cheaper to rent or buy in Tillamook?
Median gross rent in Tillamook is $1,098 a month, against $2,102 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Tillamook?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Tillamook, Oregon at today's rate takes a household income of roughly $90,000 a year. That covers the full $2,102 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Tillamook, 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.