Mortgage payment estimates, closing cost breakdowns, and homebuying data for Eugene, Oregon.
Pre-filled with Eugene median home price and Oregon tax/insurance rates. Adjust for your property.
Estimated closing costs based on Oregon rates and fees applied to Eugene prices.
The median home price in Eugene is $415,000, 14% below the Oregon state median of $480,000. With a population of 176,654, Eugene is a mid-size city where home prices tend to be more accessible than in many parts of Oregon.
Property taxes in Oregon average 0.93% annually. This moderate property tax rate means a $415,000 home in Eugene would carry roughly $322/month in property taxes. Homeowners insurance in Oregon runs approximately $1,400 per year. This is within the normal range nationally.
Average rent in Eugene is $1,450/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.
Eugene is a higher-cost market. At $415K median, buyers need significant savings or strong income. Down payment assistance through Oregon's OHCS Oregon Bond program becomes especially important.