The 20 most affordable cities in Oregon to buy a house
Homeownership is fundamental to the American dream. It offers wealth, security, community, and countless other benefits. Yet for many Oregon residents, the dream feels increasingly out of reach—even as incomes rise and mortgage rates fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers stuck and younger generations priced out.
But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.
To find out where these cities are, Redfin Real Estate ranked the most affordable cities in Oregon, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this recent Redfin article.
#1. Sandy, Oregon
- Payment to income ratio: 36.7%
- Median sale price: $490,093
- Median household income: $102,201
- Income needed to buy: $125,152
- Median monthly mortgage payment: $3,129
- See homes for sale in Sandy on Redfin.com
#2. Bethany, Oregon
- Payment to income ratio: 38.6%
- Median sale price: $828,153
- Median household income: $164,315
- Income needed to buy: $211,479
- Median monthly mortgage payment: $5,287
- See homes for sale in Bethany on Redfin.com
#3. Central Point, Oregon
- Payment to income ratio: 38.8%
- Median sale price: $407,456
- Median household income: $80,450
- Income needed to buy: $104,049
- Median monthly mortgage payment: $2,601
- See homes for sale in Central Point on Redfin.com
#4. Santa Clara, Oregon
- Payment to income ratio: 38.9%
- Median sale price: $418,774
- Median household income: $82,530
- Income needed to buy: $106,939
- Median monthly mortgage payment: $2,673
- See homes for sale in Santa Clara on Redfin.com
#5. St. Helens, Oregon
- Payment to income ratio: 40.7%
- Median sale price: $435,939
- Median household income: $82,123
- Income needed to buy: $111,323
- Median monthly mortgage payment: $2,783
- See homes for sale in St. Helens on Redfin.com
#6. Cedar Mill, Oregon
- Payment to income ratio: 41.5%
- Median sale price: $903,865
- Median household income: $167,037
- Income needed to buy: $230,814
- Median monthly mortgage payment: $5,770
- See homes for sale in Cedar Mill on Redfin.com
#7. Aloha, Oregon
- Payment to income ratio: 41.6%
- Median sale price: $524,823
- Median household income: $96,754
- Income needed to buy: $134,020
- Median monthly mortgage payment: $3,351
- See homes for sale in Aloha on Redfin.com
#8. Hillsboro, Oregon
- Payment to income ratio: 41.7%
- Median sale price: $561,281
- Median household income: $103,207
- Income needed to buy: $143,330
- Median monthly mortgage payment: $3,583
- See homes for sale in Hillsboro on Redfin.com
#9. Four Corners, Oregon
- Payment to income ratio: 41.8%
- Median sale price: $377,657
- Median household income: $69,232
- Income needed to buy: $96,439
- Median monthly mortgage payment: $2,411
- See homes for sale in Four Corners on Redfin.com
#10. Molalla, Oregon
- Payment to income ratio: 43.0%
- Median sale price: $471,305
- Median household income: $83,996
- Income needed to buy: $120,354
- Median monthly mortgage payment: $3,009
- See homes for sale in Molalla on Redfin.com
#11. Newberg, Oregon
- Payment to income ratio: 43.1%
- Median sale price: $513,659
- Median household income: $91,389
- Income needed to buy: $131,169
- Median monthly mortgage payment: $3,279
- See homes for sale in Newberg on Redfin.com
#12. Oatfield, Oregon
- Payment to income ratio: 43.3%
- Median sale price: $584,366
- Median household income: $103,483
- Income needed to buy: $149,225
- Median monthly mortgage payment: $3,731
- See homes for sale in Oatfield on Redfin.com
#13. Gladstone, Oregon
- Payment to income ratio: 43.4%
- Median sale price: $512,156
- Median household income: $90,395
- Income needed to buy: $130,785
- Median monthly mortgage payment: $3,270
- See homes for sale in Gladstone on Redfin.com
#14. Keizer, Oregon
- Payment to income ratio: 43.9%
- Median sale price: $465,105
- Median household income: $81,217
- Income needed to buy: $118,771
- Median monthly mortgage payment: $2,969
- See homes for sale in Keizer on Redfin.com
#15. Oak Hills, Oregon
- Payment to income ratio: 43.9%
- Median sale price: $713,580
- Median household income: $124,594
- Income needed to buy: $182,222
- Median monthly mortgage payment: $4,556
- See homes for sale in Oak Hills on Redfin.com
#16. Troutdale, Oregon
- Payment to income ratio: 44.0%
- Median sale price: $484,772
- Median household income: $84,339
- Income needed to buy: $123,793
- Median monthly mortgage payment: $3,095
- See homes for sale in Troutdale on Redfin.com
#17. Cornelius, Oregon
- Payment to income ratio: 44.8%
- Median sale price: $526,961
- Median household income: $90,071
- Income needed to buy: $134,566
- Median monthly mortgage payment: $3,364
- See homes for sale in Cornelius on Redfin.com
#18. Damascus, Oregon
- Payment to income ratio: 45.2%
- Median sale price: $665,988
- Median household income: $112,774
- Income needed to buy: $170,069
- Median monthly mortgage payment: $4,252
- See homes for sale in Damascus on Redfin.com
#19. Happy Valley, Oregon
- Payment to income ratio: 45.6%
- Median sale price: $716,247
- Median household income: $120,324
- Income needed to buy: $182,903
- Median monthly mortgage payment: $4,573
- See homes for sale in Happy Valley on Redfin.com
#20. West Linn, Oregon
- Payment to income ratio: 45.7%
- Median sale price: $825,884
- Median household income: $138,526
- Income needed to buy: $210,900
- Median monthly mortgage payment: $5,273
- See homes for sale in West Linn on Redfin.com
