The typical owner-occupied home in Oceanside is worth about $647,800, 36% above the Oregon median of $477,600 and 95% above the national median of $332,700. Owners pay a median $5,804 a year in property taxes, about 0.90% of their home's value, higher than the Oregon rate of 0.81%. 100% of occupied homes here are lived in by their owners, and 27% of those owners still have a mortgage.
Oceanside at a glance
| Oceanside | Oregon | U.S. | |
|---|---|---|---|
| Median home value | $647,800 | $477,600 | $332,700 |
| Median property tax paid per year | $5,804 | $3,876 | $3,119 |
| Property tax as a share of value | 0.90% | 0.81% | 0.94% |
| Median household income | – | $83,011 | $80,734 |
| Homes lived in by their owners | 100% | 63% | 65% |
| Owner homes with a mortgage | 27% | 65% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,157 | $1,963 |
| Those costs as a share of the owners' income | 36.0% | 22.4% | 21.0% |
| Median rent | – | $1,525 | $1,413 |
| Median year homes were built | 1994 | 1981 | 1980 |
| Vacant homes | 63.9% | 7.5% | 10.1% |
| Population | 430 | 4,254,293 | 334,922,499 |
What a typical home costs per month in Oceanside
At this week's average 30-year rate of 7.11%, buying the median Oceanside home of $647,800 with 20% down costs about $4,242 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $5,321, 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 $181,800 for the 20%-down payment.
| Down payment | $129,560 |
|---|---|
| Loan amount | $518,240 |
| Principal and interest | $3,486 |
| Property taxes (0.90% a year) | $486 |
| Homeowners insurance (our estimate, 0.5% a year) | $270 |
| PMI | $0 |
| Total per month | $4,242 |
Change the numbers in the calculator
| Down payment | $22,673 |
|---|---|
| Loan amount | $636,067 |
| Principal and interest | $4,279 |
| Property taxes (0.90% a year) | $486 |
| Homeowners insurance (our estimate, 0.5% a year) | $270 |
| FHA mortgage insurance | $287 |
| Total per month | $5,321 |
Change the numbers in the calculator
Questions about home buying in Oceanside
What is the median home value in Oceanside?
About $647,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Oceanside?
Homeowners pay a median $5,804 a year, which is about 0.90% 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 Oceanside?
For the median home with 20% down at 7.11%, the payment is about $4,242 a month. Keeping that under 28% of gross income takes about $181,800 a year.
More about Oceanside
- Mortgage Refinance in Oceanside
- Debt Relief in Oceanside
- Home Equity Loans in Oceanside
- 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