Average mortgage payment in Clackamas County, OR (2026)
The average mortgage payment in Clackamas County on a median-priced home (~$545,000) is roughly $4,183/month — assuming 10% down at a 6.85% 30-year fixed rate and Oregon's 0.93% effective property tax rate (full PITI).
To carry that payment under the standard 28% front-end DTI rule, you'd need an annual household income near $179,289. County population is roughly 421,401.
Adjust the scenario
How Clackamas County compares to Oregon
The typical home in Clackamas County is 11% above the statewide median of $490,000 in Oregon. Property tax is set at the state's effective rate of 0.93% — local millage and special assessments vary by county, but this is the right starting point.
The payment above bakes in principal, interest, property tax, and homeowners insurance — it does not include HOA dues or mortgage insurance (PMI). PMI kicks in automatically when down payment is below 20% on a conventional loan. For a full breakdown, run your own numbers in the main calculator.
Frequently asked questions
What is the average mortgage payment in Clackamas County?+
On a median Clackamas County home (~$545,000) at a 6.85% 30-year fixed rate with 10% down, all-in PITI runs about $4,183/month, including ~$422 in property tax.
What income do I need to buy a home in Clackamas County?+
Using the 28% front-end DTI rule, you'd need roughly $179,289 in annual gross household income to comfortably carry the median Clackamas County home.
How does Clackamas County compare to the rest of Oregon?+
Clackamas County's median home ($545,000) is 11% above the Oregon median of $490,000.
Does this include HOA fees or PMI?+
No. HOA dues vary too widely to assume a default — add them directly to the payment. PMI applies when you put less than 20% down on a conventional loan; the main calculator factors it in automatically.