What income do you need to buy a house in Toledo, OR?

It takes about $98,000/yr to afford the typical Toledo, OR home ($371K, -1.2% past year) at today's rates. Starter homes run around $255K. See if you can afford a house in Toledo (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $98,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, OR property tax and insurance)
• Typical home value: $371K (Zillow ZHVI, 2026-07)
• 1-year change: -1.2%
• Bottom 35% of homes: $255K
• Top 35% of homes start around: $541K
• Median household income: $54K
• Price-to-income ratio: 6.9
• Estimated payment on the typical home: $1,928/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Newport, OR — typical home $455K
• Lincoln City, OR — typical home $503K
• Philomath, OR — typical home $530K
• Corvallis, OR — typical home $565K
• Dallas, OR — typical home $481K
• Monmouth, OR — typical home $481K

The most affordable cities to buy a house in Oregon

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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