Mortgage payment estimates, closing cost breakdowns, and homebuying data for Ashland, Oregon.
Median Home Price
$475K
Population
21K
Avg Monthly Rent
$1,520
Property Tax Rate
0.93% *
* Property tax shown is the Oregon state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Ashland.
Ashland vs Oregon Median
The median home price in Ashland is $475,000, which is roughly in line with the Oregon state median of $480,000.
Mortgage Calculator — Ashland, OR
Pre-filled with Ashland median home price and Oregon tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $475K home using Oregon's 0.93% tax rate and $1,400/yr insurance.
5% Down
$3,600/mo
Down: $23,750
Loan: $451K
P&I: $2,852
Tax: $368
Insurance: $117
PMI: $263
10% Down
$3,436/mo
Down: $47,500
Loan: $428K
P&I: $2,702
Tax: $368
Insurance: $117
PMI: $249
20% Down (No PMI)
$2,887/mo
Down: $95,000
Loan: $380K
P&I: $2,402
Tax: $368
Insurance: $117
Income needed (28% rule): $124K/year with 20% down, $147K/year with 10% down.
Rent vs Buy in Ashland
Rent
$1,520/mo
vs
Buy (10% down)
$3,436/mo
Price-to-rent ratio: 26.0 — At a ratio above 20, renting may be more economical in Ashland for shorter stays. Buying costs $1,916 more per month than renting, and it typically takes 5-7 years to break even on the transaction costs of buying.
The median home price in Ashland is $475,000, roughly in line with the Oregon state median of $480,000. With a population of 21,117, Ashland is a smaller market where home prices tend to be more accessible than in many parts of Oregon.
Property taxes in Oregon average 0.93% annually. This moderate property tax rate means a $475,000 home in Ashland would carry roughly $368/month in property taxes. Homeowners insurance in Oregon runs approximately $1,400 per year. This is within the normal range nationally.
Average rent in Ashland is $1,520/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.
Ashland is a higher-cost market. At $475K median, buyers need significant savings or strong income. Down payment assistance through Oregon's OHCS Oregon Bond program becomes especially important.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Ashland.