Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Maryland and Oregon. Updated for 2026.
Metric
Maryland
Oregon
Median Home Price
$420K
$480K
Property Tax Rate
1.09%
0.93%
Avg Closing Costs
$11K
$7K
Closing Cost %
2.5%
1.4%
Transfer Tax
1.5%
0.1%
Homeowners Insurance
$1,700/yr
$1,400/yr
First-Time Buyer Program
MD Mortgage Program
Up to $25,000 DPA
OHCS Oregon Bond
Cash Advantage up to $15K
Verdict
Oregon wins 5 of 6 cost categories, making it the more affordable state for homebuyers overall. However, Maryland has a lower total cost when combining home price, closing costs, and insurance. Both states offer first-time buyer programs — explore the state pages for full details.