Oregon Mortgage Calculator
Estimate the monthly PITI payment on a Oregon home. Preseeded with the state’s 0.93% effective property-tax rate, $950 average annual insurance, and $480,000 median home price.
Loan Parameters
$
$
Percentage
20.0 %
Loan Term
Advanced Options
$
Monthly Payment (PITI)
$3,038
- Principal & Interest
- $2,427
- Property Taxes
- $372
- Home Insurance
- $79
- PMI
- $160
Total Interest
$489,771
Total Cost
$1,036,191
Payoff Year
2056
Oregon Property Tax, Insurance & Home Prices
- Effective property-tax rate
- 0.93%
- Avg annual insurance
- $950
- Median home price
- $480,000
Statewide averages, last reviewed May 2026. Actual rates and premiums vary significantly by county, city, and parcel — see the notes below.
Notable Oregon Rules
Oregon has no general sales tax. Measure 50 caps annual assessed-value increases at 3%, similar to California's Prop 13. The cap was reset to 1995 values plus 10%, so long-term owners pay substantially less than recent buyers on identical homes.
Mortgage Calculators for Other States
Related Calculators
Frequently Asked Questions
- Oregon's statewide effective property-tax rate is approximately 0.93% of home value (last reviewed May 2026). Actual county- and city-level rates vary; check your specific parcel before budgeting.