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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Oregon residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Oregon, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Sandy, Oregon
- Payment to income ratio: 36.7%
- Median sale price: $490,093
- Median household income: $102,201
- Income needed to buy: $125,152
- Median monthly mortgage payment: $3,129
- See homes for sale in Sandy on

#2. Bethany, Oregon
- Payment to income ratio: 38.6%
- Median sale price: $828,153
- Median household income: $164,315
- Income needed to buy: $211,479
- Median monthly mortgage payment: $5,287
- See homes for sale in Bethany on

#3. Central Point, Oregon
- Payment to income ratio: 38.8%
- Median sale price: $407,456
- Median household income: $80,450
- Income needed to buy: $104,049
- Median monthly mortgage payment: $2,601
- See homes for sale in Central Point on

#4. Santa Clara, Oregon
- Payment to income ratio: 38.9%
- Median sale price: $418,774
- Median household income: $82,530
- Income needed to buy: $106,939
- Median monthly mortgage payment: $2,673
- See homes for sale in Santa Clara on

#5. St. Helens, Oregon
- Payment to income ratio: 40.7%
- Median sale price: $435,939
- Median household income: $82,123
- Income needed to buy: $111,323
- Median monthly mortgage payment: $2,783
- See homes for sale in St. Helens on

#6. Cedar Mill, Oregon
- Payment to income ratio: 41.5%
- Median sale price: $903,865
- Median household income: $167,037
- Income needed to buy: $230,814
- Median monthly mortgage payment: $5,770
- See homes for sale in Cedar Mill on

#7. Aloha, Oregon
- Payment to income ratio: 41.6%
- Median sale price: $524,823
- Median household income: $96,754
- Income needed to buy: $134,020
- Median monthly mortgage payment: $3,351
- See homes for sale in Aloha on

#8. Hillsboro, Oregon
- Payment to income ratio: 41.7%
- Median sale price: $561,281
- Median household income: $103,207
- Income needed to buy: $143,330
- Median monthly mortgage payment: $3,583
- See homes for sale in Hillsboro on

#9. Four Corners, Oregon
- Payment to income ratio: 41.8%
- Median sale price: $377,657
- Median household income: $69,232
- Income needed to buy: $96,439
- Median monthly mortgage payment: $2,411
- See homes for sale in Four Corners on

#10. Molalla, Oregon
- Payment to income ratio: 43.0%
- Median sale price: $471,305
- Median household income: $83,996
- Income needed to buy: $120,354
- Median monthly mortgage payment: $3,009
- See homes for sale in Molalla on

#11. Newberg, Oregon
- Payment to income ratio: 43.1%
- Median sale price: $513,659
- Median household income: $91,389
- Income needed to buy: $131,169
- Median monthly mortgage payment: $3,279
- See homes for sale in Newberg on

#12. Oatfield, Oregon
- Payment to income ratio: 43.3%
- Median sale price: $584,366
- Median household income: $103,483
- Income needed to buy: $149,225
- Median monthly mortgage payment: $3,731
- See homes for sale in Oatfield on

#13. Gladstone, Oregon
- Payment to income ratio: 43.4%
- Median sale price: $512,156
- Median household income: $90,395
- Income needed to buy: $130,785
- Median monthly mortgage payment: $3,270
- See homes for sale in Gladstone on

#14. Keizer, Oregon
- Payment to income ratio: 43.9%
- Median sale price: $465,105
- Median household income: $81,217
- Income needed to buy: $118,771
- Median monthly mortgage payment: $2,969
- See homes for sale in Keizer on

#15. Oak Hills, Oregon
- Payment to income ratio: 43.9%
- Median sale price: $713,580
- Median household income: $124,594
- Income needed to buy: $182,222
- Median monthly mortgage payment: $4,556
- See homes for sale in Oak Hills on

#16. Troutdale, Oregon
- Payment to income ratio: 44.0%
- Median sale price: $484,772
- Median household income: $84,339
- Income needed to buy: $123,793
- Median monthly mortgage payment: $3,095
- See homes for sale in Troutdale on

#17. Cornelius, Oregon
- Payment to income ratio: 44.8%
- Median sale price: $526,961
- Median household income: $90,071
- Income needed to buy: $134,566
- Median monthly mortgage payment: $3,364
- See homes for sale in Cornelius on

#18. Damascus, Oregon
- Payment to income ratio: 45.2%
- Median sale price: $665,988
- Median household income: $112,774
- Income needed to buy: $170,069
- Median monthly mortgage payment: $4,252
- See homes for sale in Damascus on

#19. Happy Valley, Oregon
- Payment to income ratio: 45.6%
- Median sale price: $716,247
- Median household income: $120,324
- Income needed to buy: $182,903
- Median monthly mortgage payment: $4,573
- See homes for sale in Happy Valley on

#20. West Linn, Oregon
- Payment to income ratio: 45.7%
- Median sale price: $825,884
- Median household income: $138,526
- Income needed to buy: $210,900
- Median monthly mortgage payment: $5,273
- See homes for sale in West Linn on