The typical owner-occupied home in Gold Beach is worth about $372,400, 22% below the Oregon median of $477,600 and 12% above the national median of $332,700. Owners pay a median $1,673 a year in property taxes, about 0.45% of their home's value, lower than the Oregon rate of 0.81%. The median household earns $56,014 a year, so the median home costs 6.6 times the median income (5.8 times for Oregon). 72% of occupied homes here are lived in by their owners, and 54% of those owners still have a mortgage.
Gold Beach at a glance
| Gold Beach | Oregon | U.S. | |
|---|---|---|---|
| Median home value | $372,400 | $477,600 | $332,700 |
| Median property tax paid per year | $1,673 | $3,876 | $3,119 |
| Property tax as a share of value | 0.45% | 0.81% | 0.94% |
| Median household income | $56,014 | $83,011 | $80,734 |
| Homes lived in by their owners | 72% | 63% | 65% |
| Owner homes with a mortgage | 54% | 65% | 61% |
| Median monthly costs, owners with a mortgage | $1,614 | $2,157 | $1,963 |
| Those costs as a share of the owners' income | 23.2% | 22.4% | 21.0% |
| Median rent | $983 | $1,525 | $1,413 |
| Rent as a share of renters' income | 23.6% | 31.3% | 30.6% |
| Median year homes were built | 1976 | 1981 | 1980 |
| Vacant homes | 19.2% | 7.5% | 10.1% |
| Population | 2,466 | 4,254,293 | 334,922,499 |
What a typical home costs per month in Gold Beach
At this week's average 30-year rate of 7.11%, buying the median Gold Beach home of $372,400 with 20% down costs about $2,299 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,919, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $98,526 for the 20%-down payment. That payment is 49% of the median Gold Beach household income of $56,014; at that income and 20% down, the 28% guideline points to a home of about $212,000.
The median rent here is $983 a month, so owning the median home costs about $1,316 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $74,480 |
|---|---|
| Loan amount | $297,920 |
| Principal and interest | $2,004 |
| Property taxes (0.45% a year) | $140 |
| Homeowners insurance (our estimate, 0.5% a year) | $155 |
| PMI | $0 |
| Total per month | $2,299 |
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| Down payment | $13,034 |
|---|---|
| Loan amount | $365,655 |
| Principal and interest | $2,460 |
| Property taxes (0.45% a year) | $140 |
| Homeowners insurance (our estimate, 0.5% a year) | $155 |
| FHA mortgage insurance | $165 |
| Total per month | $2,919 |
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Questions about home buying in Gold Beach
What is the median home value in Gold Beach?
About $372,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Gold Beach?
Homeowners pay a median $1,673 a year, which is about 0.45% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Gold Beach?
For the median home with 20% down at 7.11%, the payment is about $2,299 a month. Keeping that under 28% of gross income takes about $98,526 a year.
More about Gold Beach
- Mortgage Refinance in Gold Beach
- Debt Relief in Gold Beach
- Home Equity Loans in Gold Beach
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data