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Mortgage Calculator &
Closing Costs: The Dalles, OR

Mortgage payment estimates, closing cost breakdowns, and homebuying data for The Dalles, Oregon.

Median Home Price
$335K
Population
15K
Avg Monthly Rent
$1,220
Property Tax Rate
0.93%
The Dalles vs Oregon Median
The median home price in The Dalles is $335,000, which is 30% below the Oregon state median of $480,000.

Mortgage Calculator — The Dalles, OR

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

$
$67,000
%
%
years
OR avg
%
$
Monthly Payment (PITI)
$2,071
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,694
per month
Taxes & Insurance
$377
per month
Total Interest Paid
$342K
over 30 years
Total Loan Cost
$610K
all payments
Payment Breakdown
Loan Amount$268,000
Principal & Interest$1,694
Property Taxes$260
Homeowners Insurance$117
Total Monthly PITI$2,071

Closing Costs — The Dalles, OR

Estimated closing costs based on Oregon rates and fees applied to The Dalles prices.

$
%
Oregon: Avg closing costs 1.4% of price. Transfer tax: 0.1%.
Estimated Closing Costs
$10,293
3.1% of purchase price
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Lender Fees
$2,837
origination, underwriting
Third-Party
$3,125
appraisal, title, inspection
Government Fees
$335
transfer taxes, recording
Prepaids + Escrow
$3,996
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,412
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,975
Recording Fee$150
Transfer Tax$335
Prepaid Taxes (3 mo)$779
Prepaid Insurance (12 mo)$1,400
Prepaid Interest (15 days)$805
Escrow Reserves$1,012
Total Closing Costs$10,293

Buying a Home in The Dalles, Oregon

The median home price in The Dalles is $335,000, 30% below the Oregon state median of $480,000. With a population of 15,340, The Dalles 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 $335,000 home in The Dalles would carry roughly $260/month in property taxes. Homeowners insurance in Oregon runs approximately $1,400 per year. This is within the normal range nationally.

Average rent in The Dalles is $1,220/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.

The Dalles presents moderate affordability. The $335K 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 The Dalles.
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