Income needed to buy a home
Tillamook County, OR
$166,282
a year in household income to buy the typical Tillamook County home with 10% down.
The monthly math
Typical home value$509,079
Down payment (10%)$50,908
Loan$458,171
Principal and interest (7.40%)$3,172/mo
Property tax (0.62% a year)$262/mo
Homeowners insurance (estimate)$255/mo
Mortgage insurance$191/mo
Total monthly cost$3,880/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Out of reach
The typical household here earns $69,105 a year, 42% of what it takes.
In Oregon
Tillamook County ranks #29 of 36 for the income a home takes, from least to most.
Easiest to afford in Oregon
| County | Typical home | Income needed |
|---|---|---|
| Lake County | $196,055 | $63,786 |
| Harney County | $221,363 | $73,024 |
| Gilliam County | $249,477 | $83,011 |
| Grant County | $288,406 | $92,019 |
| Sherman County | $290,073 | $95,731 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.