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Mortgage Calculator &
Closing Costs: Roseburg, OR

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Roseburg, Oregon.

Median Home Price
$325K
Population
24K
Avg Monthly Rent
$1,180
Property Tax Rate
0.93%
Roseburg vs Oregon Median
The median home price in Roseburg is $325,000, which is 32% below the Oregon state median of $480,000.

Mortgage Calculator — Roseburg, OR

Pre-filled with Roseburg median home price and Oregon tax/insurance rates. Adjust for your property.

$
$65,000
%
%
years
OR avg
%
$
Monthly Payment (PITI)
$2,012
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,643
per month
Taxes & Insurance
$369
per month
Total Interest Paid
$332K
over 30 years
Total Loan Cost
$592K
all payments
Payment Breakdown
Loan Amount$260,000
Principal & Interest$1,643
Property Taxes$252
Homeowners Insurance$117
Total Monthly PITI$2,012

Closing Costs — Roseburg, OR

Estimated closing costs based on Oregon rates and fees applied to Roseburg prices.

$
%
Oregon: Avg closing costs 1.4% of price. Transfer tax: 0.1%.
Estimated Closing Costs
$10,091
3.1% of purchase price
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Lender Fees
$2,765
origination, underwriting
Third-Party
$3,075
appraisal, title, inspection
Government Fees
$325
transfer taxes, recording
Prepaids + Escrow
$3,926
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,340
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,925
Recording Fee$150
Transfer Tax$325
Prepaid Taxes (3 mo)$756
Prepaid Insurance (12 mo)$1,400
Prepaid Interest (15 days)$781
Escrow Reserves$989
Total Closing Costs$10,091

Buying a Home in Roseburg, Oregon

The median home price in Roseburg is $325,000, 32% below the Oregon state median of $480,000. With a population of 23,682, Roseburg is a smaller market 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 $325,000 home in Roseburg would carry roughly $252/month in property taxes. Homeowners insurance in Oregon runs approximately $1,400 per year. This is within the normal range nationally.

Average rent in Roseburg is $1,180/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.

Roseburg presents moderate affordability. The $325K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Roseburg.
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