What's a healthy ratio in Oregon?

Under 3.0 is considered affordable; 3.0-4.0 moderate; 4.0-5.0 seriously unaffordable; over 5.0 severely unaffordable.

Does this account for interest rates?

No, price-to-income is rate-agnostic so it stays comparable across cycles.

What if my income is higher?

Your personal ratio matters more than the market median. Use it as a relative comparison.

Buyer authority OR

Most affordable cities for home buyers in Oregon.

Affordability = how many years of household income buys the median home. This ranks Oregon cities by price-to-income ratio (lower = more affordable).

Last updated November 2026

Oregon ranking

50 cities ranked. Click any row for the matching local page.

#	City	Price-to-income ratio	Score
1	Lake Oswego	5.3x income	45	View →
2	Damascus	5.8x income	37	View →
3	Sherwood	5.9x income	36	View →
4	West Linn	5.9x income	35	View →
5	Forest Grove	6.2x income	30	View →
6	Ashland	6.2x income	30	View →
7	Canby	6.2x income	30	View →
8	Wilsonville	6.2x income	30	View →
9	Pendleton	6.2x income	30	View →
10	Troutdale	6.2x income	30	View →
11	Clackamas	6.2x income	30	View →
12	The Dalles	6.2x income	30	View →
13	Dallas	6.2x income	30	View →
14	Hood River	6.2x income	30	View →
15	La Grande	6.2x income	30	View →
16	Astoria	6.2x income	30	View →
17	Sandy	6.2x income	30	View →
18	Saint Helens	6.2x income	30	View →
19	Silverton	6.2x income	30	View →
20	Molalla	6.2x income	30	View →
21	North Bend	6.2x income	30	View →
22	Cornelius	6.2x income	30	View →
23	Sweet Home	6.2x income	30	View →
24	Brookings	6.2x income	30	View →
25	Tillamook	6.2x income	30	View →
26	Eagle Point	6.2x income	30	View →
27	Junction City	6.2x income	30	View →
28	Gladstone	6.2x income	30	View →
29	Baker City	6.2x income	30	View →
30	Madras	6.2x income	30	View →
31	Scappoose	6.2x income	30	View →
32	Monmouth	6.2x income	30	View →
33	White City	6.2x income	30	View →
34	Newport	6.2x income	30	View →
35	Estacada	6.2x income	30	View →
36	Independence	6.2x income	30	View →
37	Seaside	6.2x income	30	View →
38	Fairview	6.2x income	30	View →
39	Stayton	6.2x income	30	View →
40	Creswell	6.2x income	30	View →
41	Sutherlin	6.2x income	30	View →
42	Sheridan	6.2x income	30	View →
43	Talent	6.2x income	30	View →
44	Philomath	6.2x income	30	View →
45	Veneta	6.2x income	30	View →
46	Cottage Grove	6.2x income	29	View →
47	Milton Freewater	6.2x income	29	View →
48	Myrtle Creek	6.3x income	29	View →
49	Florence	6.4x income	27	View →
50	Lincoln City	6.4x income	27	View →

Methodology

Ratio = estimated home value ÷ average household income (Census ACS). Demographia bands (under 3.0 affordable, over 5.0 severely unaffordable) are designed around medians, so treat these as directional. Cities whose true median home value likely exceeds the dataset's modeled value (e.g. SF Bay, Manhattan) are flagged in their state pages.

FAQ

What's a healthy ratio in Oregon?: Under 3.0 is considered affordable; 3.0-4.0 moderate; 4.0-5.0 seriously unaffordable; over 5.0 severely unaffordable.
Does this account for interest rates?: No, price-to-income is rate-agnostic so it stays comparable across cycles.
What if my income is higher?: Your personal ratio matters more than the market median. Use it as a relative comparison.