Side-by-side comparison of home prices, mortgage payments, and housing costs between Coos Bay and Roseburg, Oregon. Using Oregon's 0.93% property tax rate and $1,400/year insurance. Updated for 2026.
Coos Bay edges out Roseburg in affordability, saving you roughly $205/month on total housing costs. Both cities are in Oregon, so property tax rates and insurance costs are the same — the difference comes down to home prices and what you get for your money in each market.
Estimated PITI payments assuming 10% down, 6.5% rate, 30-year fixed mortgage with PMI. Uses Oregon's 0.93% property tax rate.
Buying in Coos Bay saves you approximately $205/month ($2,460/year) compared to Roseburg, based on median home prices with identical loan terms.
Coos Bay is the better choice for first-time buyers, with a median price of $295K versus $325K in Roseburg. That's $30K less to save for a down payment. You'd need roughly $10K for an FHA 3.5% down payment in Coos Bay, compared to $11K in Roseburg. Oregon offers the OHCS Oregon Bond program (Cash Advantage up to $15K) which applies in both cities.
Coos Bay has the better price-to-rent ratio at 22.8x versus 23.0x in Roseburg. A lower ratio generally signals better rental income relative to purchase price. Average rent in Coos Bay is $1,080/month on a $295K median home, making it a stronger candidate for buy-and-rent investors.
Roseburg (pop. 23,682) offers more amenities, schools, and services typical of a larger city, while Coos Bay (pop. 16,027) may offer a quieter, more community-oriented lifestyle. Families on a budget may prefer Coos Bay, where lower housing costs free up more income for childcare, education, and savings.