Local costs · Oregon
What a home costs across Oregon
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Oregon, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $893 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Oregon charges no state transfer or recording tax on a home purchase.
- Title insurance
- Oregon uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Oregon income tax is modeled at about 7.09% effective for a married household at $100,000 (7.92% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 36 counties in Oregon
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Baker County | 0.78% | $1,180–$2,640typical $1,820 |
| Benton County | 0.95% | $440–$970typical $670 |
| Clackamas County | 0.85% | $440–$970typical $670 |
| Clatsop County | 0.69% | $440–$970typical $670 |
| Columbia County | 0.74% | $440–$970typical $670 |
| Coos County | 0.68% | $440–$970typical $670 |
| Crook County | 0.64% | $1,150–$2,570typical $1,770 |
| Curry County | 0.48% | $860–$1,930typical $1,330 |
| Deschutes County | 0.58% | $840–$1,870typical $1,290 |
| Douglas County | 0.61% | $810–$1,810typical $1,250 |
| Gilliam County | 1.01% | $1,330–$2,960typical $2,040 |
| Grant County | 0.73% | $1,330–$2,960typical $2,040 |
| Harney County | 0.80% | $1,330–$2,960typical $2,040 |
| Hood River County | 0.53% | $1,330–$2,960typical $2,040 |
| Jackson County | 0.74% | $1,090–$2,440typical $1,680 |
| Jefferson County | 0.69% | $1,270–$2,830typical $1,950 |
| Josephine County | 0.52% | $1,330–$2,960typical $2,040 |
| Klamath County | 0.63% | $640–$1,420typical $980 |
| Lake County | 0.71% | $870–$1,940typical $1,340 |
| Lane County | 0.82% | $440–$970typical $670 |
| Lincoln County | 0.81% | $440–$970typical $670 |
| Linn County | 0.87% | $440–$970typical $670 |
| Malheur County | 0.75% | $780–$1,740typical $1,200 |
| Marion County | 0.84% | $440–$970typical $670 |
| Morrow County | 0.81% | $1,080–$2,410typical $1,660 |
| Multnomah County | 0.96% | $440–$970typical $670 |
| Polk County | 0.80% | $440–$970typical $670 |
| Sherman County | 0.75% | $1,330–$2,960typical $2,040 |
| Tillamook County | 0.60% | $440–$970typical $670 |
| Umatilla County | 0.91% | $750–$1,680typical $1,160 |
| Union County | 0.83% | $900–$2,020typical $1,390 |
| Wallowa County | 0.57% | $1,250–$2,780typical $1,920 |
| Wasco County | 0.77% | $1,330–$2,960typical $2,040 |
| Washington County | 0.84% | $440–$970typical $670 |
| Wheeler County | 0.69% | $1,330–$2,960typical $2,040 |
| Yamhill County | 0.73% | $440–$970typical $670 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.