The typical owner-occupied home in Adams is worth about $225,000, 53% below the Oregon median of $477,600 and 32% below the national median of $332,700. Owners pay a median $2,603 a year in property taxes, about 1.16% of their home's value, higher than the Oregon rate of 0.81%. The median household earns $57,212 a year, so the median home costs 3.9 times the median income (5.8 times for Oregon). 92% of occupied homes here are lived in by their owners, and 32% of those owners still have a mortgage.
Adams at a glance
| Adams | Oregon | U.S. | |
|---|---|---|---|
| Median home value | $225,000 | $477,600 | $332,700 |
| Median property tax paid per year | $2,603 | $3,876 | $3,119 |
| Property tax as a share of value | 1.16% | 0.81% | 0.94% |
| Median household income | $57,212 | $83,011 | $80,734 |
| Homes lived in by their owners | 92% | 63% | 65% |
| Owner homes with a mortgage | 32% | 65% | 61% |
| Median monthly costs, owners with a mortgage | $1,565 | $2,157 | $1,963 |
| Those costs as a share of the owners' income | 29.7% | 22.4% | 21.0% |
| Median rent | – | $1,525 | $1,413 |
| Median year homes were built | 1976 | 1981 | 1980 |
| Vacant homes | 20.1% | 7.5% | 10.1% |
| Population | 292 | 4,254,293 | 334,922,499 |
What a typical home costs per month in Adams
At this week's average 30-year rate of 7.11%, buying the median Adams home of $225,000 with 20% down costs about $1,522 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,897, 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 $65,234 for the 20%-down payment. That payment is 32% of the median Adams household income of $57,212; at that income and 20% down, the 28% guideline points to a home of about $197,000.
| Down payment | $45,000 |
|---|---|
| Loan amount | $180,000 |
| Principal and interest | $1,211 |
| Property taxes (1.16% a year) | $218 |
| Homeowners insurance (our estimate, 0.5% a year) | $94 |
| PMI | $0 |
| Total per month | $1,522 |
Change the numbers in the calculator
| Down payment | $7,875 |
|---|---|
| Loan amount | $220,925 |
| Principal and interest | $1,486 |
| Property taxes (1.16% a year) | $218 |
| Homeowners insurance (our estimate, 0.5% a year) | $94 |
| FHA mortgage insurance | $100 |
| Total per month | $1,897 |
Change the numbers in the calculator
Questions about home buying in Adams
What is the median home value in Adams?
About $225,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Adams?
Homeowners pay a median $2,603 a year, which is about 1.16% 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 Adams?
For the median home with 20% down at 7.11%, the payment is about $1,522 a month. Keeping that under 28% of gross income takes about $65,234 a year.
More about Adams
- Mortgage Refinance in Adams
- Debt Relief in Adams
- Home Equity Loans in Adams
- 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