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Mortgage Calculator &
Closing Costs: Coos Bay, OR

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Coos Bay, Oregon.

Median Home Price
$295K
Population
16K
Avg Monthly Rent
$1,080
Property Tax Rate
0.93%
Coos Bay vs Oregon Median
The median home price in Coos Bay is $295,000, which is 39% below the Oregon state median of $480,000.

Mortgage Calculator — Coos Bay, OR

Pre-filled with Coos Bay median home price and Oregon tax/insurance rates. Adjust for your property.

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$59,000
%
%
years
OR avg
%
$
Monthly Payment (PITI)
$1,837
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,492
per month
Taxes & Insurance
$346
per month
Total Interest Paid
$301K
over 30 years
Total Loan Cost
$537K
all payments
Payment Breakdown
Loan Amount$236,000
Principal & Interest$1,492
Property Taxes$229
Homeowners Insurance$117
Total Monthly PITI$1,837

Closing Costs — Coos Bay, OR

Estimated closing costs based on Oregon rates and fees applied to Coos Bay prices.

$
%
Oregon: Avg closing costs 1.4% of price. Transfer tax: 0.1%.
Estimated Closing Costs
$9,483
3.2% of purchase price
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Lender Fees
$2,549
origination, underwriting
Third-Party
$2,925
appraisal, title, inspection
Government Fees
$295
transfer taxes, recording
Prepaids + Escrow
$3,714
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,124
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,775
Recording Fee$150
Transfer Tax$295
Prepaid Taxes (3 mo)$686
Prepaid Insurance (12 mo)$1,400
Prepaid Interest (15 days)$709
Escrow Reserves$919
Total Closing Costs$9,483

Buying a Home in Coos Bay, Oregon

The median home price in Coos Bay is $295,000, 39% below the Oregon state median of $480,000. With a population of 16,027, Coos Bay 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 $295,000 home in Coos Bay would carry roughly $229/month in property taxes. Homeowners insurance in Oregon runs approximately $1,400 per year. This is within the normal range nationally.

Average rent in Coos Bay is $1,080/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.

Coos Bay presents moderate affordability. The $295K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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Compare total costs of renting vs buying in Coos Bay.
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