Oregon mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Multnomah County | 6,804 | 6.5% | $7,084 | 6.125% |
| Washington County | 5,637 | 6.375% | $6,919 | 6.125% |
| Clackamas County | 3,840 | 6.5% | $7,580 | 6.125% |
| Lane County | 3,166 | 6.5% | $8,636 | 6.125% |
| Marion County | 2,794 | 6.5% | $9,188 | 6.25% |
| Deschutes County | 2,676 | 6.49% | $7,878 | 6.125% |
| Jackson County | 2,108 | 6.5% | $7,870 | 6.125% |
| Linn County | 1,248 | 6.499% | $9,638 | 6.125% |
| Douglas County | 986 | 6.5% | $7,492 | 6.125% |
| Yamhill County | 964 | 6.5% | $8,974 | 6.125% |
| Polk County | 808 | 6.499% | $9,226 | 6.125% |
| Josephine County | 762 | 6.5% | $7,517 | 6.188% |
| Umatilla County | 741 | 6.5% | $9,149 | 6.125% |
| Klamath County | 660 | 6.5% | $8,275 | 6.162% |
| Coos County | 576 | 6.375% | $7,941 | 6.125% |
| Benton County | 567 | 6.5% | $7,411 | 6.25% |
| Columbia County | 516 | 6.5% | $9,408 | 6.245% |
| Lincoln County | 456 | 6.625% | $8,001 | 6.25% |
| Crook County | 382 | 6.5% | $10,109 | 6.125% |
| Clatsop County | 346 | 6.5% | $7,387 | 6.35% |
| Jefferson County | 292 | 6.375% | $9,941 | 6.125% |
| Tillamook County | 247 | 6.5% | $8,050 | 6.49% |
| Wasco County | 221 | 6.575% | $8,038 | 6.25% |
| Union County | 217 | 6.625% | $7,326 | 6.25% |
| Malheur County | 192 | 6.375% | $8,427 | 6.25% |
| Curry County | 156 | 6.625% | $6,476 | 6.375% |
| Baker County | 141 | 6.375% | $6,879 | 6.25% |
| Hood River County | 129 | 6.5% | $7,907 | 6.125% |
| Morrow County | 121 | 6.25% | $10,840 | 6.125% |
| Grant County | 59 | 6.5% | $7,146 | 6.625% |
| Wallowa County | 58 | 6.5% | $8,411 | 6.495% |
| Harney County | 51 | 6.49% | $5,604 | 6.375% |
| Lake County | 32 | 6.625% | $8,114 | 6.125% |
| Sherman County | 15 | 6.5% | $7,612 | 6.25% |
| Gilliam County | 10 | 6.75% | $7,291 | 6.375% |
| Wheeler County | 10 | 6.375% | $8,617 | 6.625% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.