Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Oregon
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Oregon ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Gilliam County | $497 | $158,400 | 1.008% |
| 2 | Sherman County | $531 | $206,700 | 0.695% |
| 3 | Lake County | $541 | $219,400 | 0.641% |
| 4 | Harney County | $549 | $190,600 | 0.968% |
| 5 | Grant County | $572 | $225,100 | 0.761% |
| 6 | Malheur County | $575 | $221,300 | 0.813% |
| 7 | Morrow County | $591 | $229,800 | 0.820% |
| 8 | Klamath County | $603 | $255,700 | 0.678% |
| 9 | Wheeler County | $619 | $259,000 | 0.727% |
| 10 | Baker County | $633 | $247,700 | 0.882% |
| 11 | Douglas County | $641 | $283,200 | 0.660% |
| 12 | Union County | $656 | $260,500 | 0.886% |
| 13 | Umatilla County | $670 | $256,100 | 0.989% |
| 14 | Coos County | $692 | $302,800 | 0.741% |
| 15 | Curry County | $730 | $366,700 | 0.531% |
| 16 | Jefferson County | $749 | $339,200 | 0.739% |
| 17 | Josephine County | $752 | $383,100 | 0.528% |
| 18 | Wallowa County | $753 | $371,900 | 0.584% |
| 19 | Wasco County | $766 | $332,500 | 0.837% |
| 20 | Linn County | $806 | $344,600 | 0.908% |
| 21 | Tillamook County | $812 | $408,600 | 0.599% |
| 22 | Columbia County | $836 | $390,600 | 0.755% |
| 23 | Crook County | $848 | $423,300 | 0.639% |
| 24 | Jackson County | $853 | $400,200 | 0.758% |
| 25 | Lincoln County | $858 | $387,700 | 0.836% |
| 26 | Marion County | $865 | $383,300 | 0.882% |
| 27 | Lane County | $880 | $395,800 | 0.863% |
| 28 | Clatsop County | $894 | $437,800 | 0.704% |
| 29 | Polk County | $913 | $419,500 | 0.842% |
| 30 | Yamhill County | $918 | $442,700 | 0.749% |
| 31 | Hood River County | $1,047 | $571,200 | 0.588% |
| 32 | Benton County | $1,072 | $481,700 | 0.978% |
| 33 | Deschutes County | $1,097 | $596,000 | 0.616% |
| 34 | Multnomah County | $1,147 | $528,000 | 0.959% |
| 35 | Washington County | $1,159 | $558,500 | 0.869% |
| 36 | Clackamas County | $1,195 | $577,900 | 0.874% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Oregon