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% *
* 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 The Dalles.
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.
Three down payment scenarios for a $335K home using Oregon's 0.93% tax rate and $1,400/yr insurance.
5% Down
$2,573/mo
Down: $16,750
Loan: $318K
P&I: $2,012
Tax: $260
Insurance: $117
PMI: $186
10% Down
$2,458/mo
Down: $33,500
Loan: $302K
P&I: $1,906
Tax: $260
Insurance: $117
PMI: $176
20% Down (No PMI)
$2,070/mo
Down: $67,000
Loan: $268K
P&I: $1,694
Tax: $260
Insurance: $117
Income needed (28% rule): $89K/year with 20% down, $105K/year with 10% down.
Rent vs Buy in The Dalles
Rent
$1,220/mo
vs
Buy (10% down)
$2,458/mo
Price-to-rent ratio: 22.9 — At a ratio above 20, renting may be more economical in The Dalles for shorter stays. Buying costs $1,238 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 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.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in The Dalles.