Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Oregon and Texas. Updated for 2026.
Metric
Oregon
Texas
Median Home Price
$480K
$310K
Property Tax Rate
0.93%
1.8%
Avg Closing Costs
$7K
$5K
Closing Cost %
1.4%
1.7%
Transfer Tax
0.1%
None
Homeowners Insurance
$1,400/yr
$3,800/yr
First-Time Buyer Program
OHCS Oregon Bond
Cash Advantage up to $15K
TDHCA My First Texas Home
Up to 5% DPA grant
Verdict
Oregon and Texas are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.