The typical owner-occupied home in Lincoln County is worth about $410,800, 14% below the Oregon median of $477,600 and 23% above the national median of $332,700. Owners pay a median $3,322 a year in property taxes, about 0.81% of their home's value, close to the Oregon rate of 0.81%. The median household earns $63,165 a year, so the median home costs 6.5 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.
Lincoln County at a glance
| Lincoln County | Oregon | U.S. | |
|---|---|---|---|
| Median home value | $410,800 | $477,600 | $332,700 |
| Median property tax paid per year | $3,322 | $3,876 | $3,119 |
| Property tax as a share of value | 0.81% | 0.81% | 0.94% |
| Median household income | $63,165 | $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 | $1,785 | $2,157 | $1,963 |
| Those costs as a share of the owners' income | 26.8% | 22.4% | 21.0% |
| Median rent | $1,201 | $1,525 | $1,413 |
| Rent as a share of renters' income | 30.5% | 31.3% | 30.6% |
| Median year homes were built | 1981 | 1981 | 1980 |
| Vacant homes | 29.2% | 7.5% | 10.1% |
| Population | 50,964 | 4,254,293 | 334,922,499 |
What a typical home costs per month in Lincoln County
At this week's average 30-year rate of 7.11%, buying the median Lincoln County home of $410,800 with 20% down costs about $2,659 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,344, 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 $113,967 for the 20%-down payment. That payment is 51% of the median Lincoln County household income of $63,165; at that income and 20% down, the 28% guideline points to a home of about $228,000.
The median rent here is $1,201 a month, so owning the median home costs about $1,458 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $82,160 |
|---|---|
| Loan amount | $328,640 |
| Principal and interest | $2,211 |
| Property taxes (0.81% a year) | $277 |
| Homeowners insurance (our estimate, 0.5% a year) | $171 |
| PMI | $0 |
| Total per month | $2,659 |
Change the numbers in the calculator
| Down payment | $14,378 |
|---|---|
| Loan amount | $403,359 |
| Principal and interest | $2,713 |
| Property taxes (0.81% a year) | $277 |
| Homeowners insurance (our estimate, 0.5% a year) | $171 |
| FHA mortgage insurance | $182 |
| Total per month | $3,344 |
Change the numbers in the calculator
Questions about home buying in Lincoln County
What is the median home value in Lincoln County?
About $410,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Lincoln County?
Homeowners pay a median $3,322 a year, which is about 0.81% 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 Lincoln County?
For the median home with 20% down at 7.11%, the payment is about $2,659 a month. Keeping that under 28% of gross income takes about $113,967 a year.
More about Lincoln County
- Mortgage Refinance in Lincoln County
- Debt Relief in Lincoln County
- Home Equity Loans in Lincoln 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