TrueAffordHome Affordability by State
What can you afford in Oregon?
A baseline estimate for a household earning $90,000 a year gross, with typical debts and expenses, a $30,000 down payment, and a 740-759 credit score — using Oregon's own property tax and insurance data rather than a national average. Every assumption is editable in the full calculator below.
Oregon's effective property tax rate is around 0.81% of home value per year — the 24th highest in the country. Average homeowner's insurance runs near $1,344/year on a $300,000 home — the 10th lowest.
Comfortable
$259,916
Stretch
$323,798
Risky ceiling
$363,805
A lender would likely approve up to $363,805 on this baseline in Oregon — but this household's own budget, once real expenses are counted, can only sustain $323,798. That $40,007 gap is exactly the kind of overreach this calculator exists to flag before it becomes a monthly deficit.
Open the home affordability calculator with these numbersOther states
Browse all states · Browse by income · Full mortgage calculator · Methodology