The typical owner-occupied home in Douglas County is worth about $310,300, 35% below the Oregon median of $477,600 and 7% below the national median of $332,700. Owners pay a median $1,895 a year in property taxes, about 0.61% of their home's value, lower than the Oregon rate of 0.81%. The median household earns $61,310 a year, so the median home costs 5.1 times the median income (5.8 times for Oregon). 73% of occupied homes here are lived in by their owners, and 52% of those owners still have a mortgage.
Douglas County at a glance
| Douglas County | Oregon | U.S. | |
|---|---|---|---|
| Median home value | $310,300 | $477,600 | $332,700 |
| Median property tax paid per year | $1,895 | $3,876 | $3,119 |
| Property tax as a share of value | 0.61% | 0.81% | 0.94% |
| Median household income | $61,310 | $83,011 | $80,734 |
| Homes lived in by their owners | 73% | 63% | 65% |
| Owner homes with a mortgage | 52% | 65% | 61% |
| Median monthly costs, owners with a mortgage | $1,553 | $2,157 | $1,963 |
| Those costs as a share of the owners' income | 22.4% | 22.4% | 21.0% |
| Median rent | $1,055 | $1,525 | $1,413 |
| Rent as a share of renters' income | 30.6% | 31.3% | 30.6% |
| Median year homes were built | 1977 | 1981 | 1980 |
| Vacant homes | 6.0% | 7.5% | 10.1% |
| Population | 112,072 | 4,254,293 | 334,922,499 |
What a typical home costs per month in Douglas County
At this week's average 30-year rate of 7.11%, buying the median Douglas County home of $310,300 with 20% down costs about $1,957 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,474, 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 $83,870 for the 20%-down payment. That payment is 38% of the median Douglas County household income of $61,310; at that income and 20% down, the 28% guideline points to a home of about $227,000.
The median rent here is $1,055 a month, so owning the median home costs about $902 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $62,060 |
|---|---|
| Loan amount | $248,240 |
| Principal and interest | $1,670 |
| Property taxes (0.61% a year) | $158 |
| Homeowners insurance (our estimate, 0.5% a year) | $129 |
| PMI | $0 |
| Total per month | $1,957 |
Change the numbers in the calculator
| Down payment | $10,860 |
|---|---|
| Loan amount | $304,680 |
| Principal and interest | $2,050 |
| Property taxes (0.61% a year) | $158 |
| Homeowners insurance (our estimate, 0.5% a year) | $129 |
| FHA mortgage insurance | $137 |
| Total per month | $2,474 |
Change the numbers in the calculator
Questions about home buying in Douglas County
What is the median home value in Douglas County?
About $310,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Douglas County?
Homeowners pay a median $1,895 a year, which is about 0.61% 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 Douglas County?
For the median home with 20% down at 7.11%, the payment is about $1,957 a month. Keeping that under 28% of gross income takes about $83,870 a year.
More about Douglas County
- Mortgage Refinance in Douglas County
- Debt Relief in Douglas County
- Home Equity Loans in Douglas County
- 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