Mortgage payment estimates, closing cost breakdowns, and homebuying data for Roseburg, Oregon.
Median Home Price
$325K
Population
24K
Avg Monthly Rent
$1,180
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 Roseburg.
Roseburg vs Oregon Median
The median home price in Roseburg is $325,000, which is 32% below the Oregon state median of $480,000.
Mortgage Calculator — Roseburg, OR
Pre-filled with Roseburg median home price and Oregon tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $325K home using Oregon's 0.93% tax rate and $1,400/yr insurance.
5% Down
$2,500/mo
Down: $16,250
Loan: $309K
P&I: $1,952
Tax: $252
Insurance: $117
PMI: $180
10% Down
$2,388/mo
Down: $32,500
Loan: $293K
P&I: $1,849
Tax: $252
Insurance: $117
PMI: $171
20% Down (No PMI)
$2,012/mo
Down: $65,000
Loan: $260K
P&I: $1,643
Tax: $252
Insurance: $117
Income needed (28% rule): $86K/year with 20% down, $102K/year with 10% down.
Rent vs Buy in Roseburg
Rent
$1,180/mo
vs
Buy (10% down)
$2,388/mo
Price-to-rent ratio: 23.0 — At a ratio above 20, renting may be more economical in Roseburg for shorter stays. Buying costs $1,208 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 Roseburg is $325,000, 32% below the Oregon state median of $480,000. With a population of 23,682, Roseburg 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 $325,000 home in Roseburg would carry roughly $252/month in property taxes. Homeowners insurance in Oregon runs approximately $1,400 per year. This is within the normal range nationally.
Average rent in Roseburg is $1,180/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.
Roseburg presents moderate affordability. The $325K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Roseburg.