What your paycheck buys · Updated every Friday

What a paycheck buys in Oregon this week

Out of reach · #43 of 50 on affordability · rate for the week of October 22, 2026

A median Oregon household earning $92,740 a year can afford a home of about $293,000 at this week’s 7.32% average 30-year rate. The median Oregon listing is $550,000, which would take 52.6% of that household’s gross income, against the usual 28% ceiling.

$293,000

Affordable home price

+$1,930 vs. last week · −$18,252 vs. a year ago

$550,000

Median list price (September 2026)

−$14,000 vs. a year earlier

Affordability index (100 = within reach)

U.S. 66 · Oregon 55 a year ago

52.6%

Share of income the median listing takes

$4,065/mo incl. taxes & insurance · U.S. 42.5%

$93,000

Median household income (2025)

U.S. $87,000

#43

Rank of 50 (1 = most affordable)

See the full ranking

Compared with a year ago

A year ago, with the 30-year rate at 6.19%, a median list price of $564,000 and median income of $89,510 (2024 figure), the same household could afford about $311,000 and the median listing took 50.8% of income. Affordability in Oregon has worsened since then.

Nearby in the ranking

#41 Rhode Island: can afford $306,000, median listing $570,000
#42 New Mexico: can afford $213,000, median listing $399,000
#44 Massachusetts: can afford $374,000, median listing $714,000
#45 Wyoming: can afford $256,000, median listing $497,000

Run your own numbers →

How this is calculated: 28% of gross monthly income for housing, 10% down, a 30-year fixed loan at Freddie Mac’s weekly average, and 1.45% of the price a year for taxes and insurance. Full method, caveats, and sources on the main index page. An educational gauge, not a mortgage quote.