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Oregon Coast · Family Guide · 2026

Best Oregon Coast Cities
for Families (2026)

All 16 coastal cities ranked for families -- schools, safety, affordability, outdoor access, and community infrastructure. Real data, honest trade-offs.

By Todd Davidson, Executive Loan Officer · Rocket Mortgage NMLS #2003696 · Updated June 2026

Todd Davidson, Rocket Mortgage
Todd Davidson Executive Loan Officer · Rocket Mortgage · NMLS #2003696 Licensed in Oregon & Washington
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Oregon Coast Family Mortgage Expert

Families relocating to the Oregon Coast ask me two things in almost every conversation: which school district is worth the price, and how do I afford it on a single income if one parent stops working? Both are real questions with real answers — and they vary dramatically by city. Florence's Siuslaw School District punches above its size, and Lane County's low tax rate makes the monthly payment genuinely manageable on one income for qualifying buyers.

The down payment barrier is the one I help families clear most often. ONE+ by Rocket Mortgage offers up to $7,000 in grant money with just 1% buyer down payment for qualifying first-time buyers — on homes up to $350,000. That opens Reedsport, Coos Bay, and parts of the south coast to families who thought they needed years more of saving. One conversation changes the math entirely.

Jump to a City
  1. Florence — #1 Best Overall for Families
  2. Newport — #2 Strongest K-12 on the Coast
  3. Astoria — #3 Best Cultural Environment for Kids
  4. Lincoln City — #4 Best Full-Service Family City
  5. Seaside — #5 Best North Coast Family City
  6. Coos Bay — #6 Best Value Family City
  7. Tillamook — #7 Safest + Most Affordable with Hospital
  8. North Bend — #8 Coos Bay Alternative for Families
  9. Brookings — #9 Sunniest Coast Family City
  10. Warrenton — #10 Fort Stevens Backyard Family Base
  11. Gold Beach — #11 Outdoor Family Lifestyle, Limited Schools
  12. Bandon — #12 Quiet Family Town, Limited Youth Infra
  13. Reedsport — #13 Most Affordable, Thinnest Family Infra
  14. Yachats — #14 Extraordinary Setting, No School in Town
  15. Gearhart — #15 Peaceful + Adult-Oriented Community
  16. Cannon Beach — #16 Luxury Setting, Highest Cost + Crime

How Each City Was Scored for Families

๐Ÿซ Schools (weighted 2×)GreatSchools district rating, graduation rates, AP availability, and overall K-12 performance for coast-sized districts. All Oregon Coast districts are small rural districts; ratings are relative to coast peers, not suburban Portland standards.
๐Ÿก Affordability (weighted 2×)2026 researched starter home prices, monthly PITI at 6.30% with 20% down, county property tax rates, and ONE+ grant availability. What it takes to own the right home for a family, not just any home.
๐Ÿ›ก SafetyViolent crime and property crime rates per 1,000 residents. Important note: high tourist-area property crime (Cannon Beach, Warrenton) is concentrated in commercial zones, not residential neighborhoods. Resident experience often differs significantly from aggregate stats.
๐Ÿ„ Outdoors for KidsDaily access to beach, trails, parks, and recreational activities that make Oregon Coast living worth the trade-offs. Oregon Dunes access, state parks, and youth sports facilities all factor in.
๐Ÿค Family CommunityYouth sports programs, community events, peer community for kids, and the sense that there's a family culture here -- not just a beautiful house. Critically underweighted by most families until they arrive.
๐Ÿ  Starter Home2026 researched market price for a 3-bedroom home suitable for a family. Monthly PITI assumes 20% down at 6.30%. ONE+ grant program available for qualifying first-time buyers on homes up to $350,000.

Full City-by-City Family Analysis

Florence, Oregon

#1 Best Overall for Families · Lane County

Living in Florence, Oregon with Kids (2026)

Florence wins on the combination that matters most for families: the coast's lowest violent crime rate (1.0 per 1,000), Lane County's 0.64% property tax, Siuslaw School District's solid ratings, and Oregon Dunes NRA next door.

Schools
B
Siuslaw SD - solid for coast
Affordability
A
$460K - 0.64% Lane taxes
Safety
A
Violent crime 1.0 -- coast lowest
Outdoors for Kids
A
Oregon Dunes, beach, kayaking
Family Community
A
Active community, Old Town events
Starter Home
$460,000
~$2,585/mo PITI

Florence earns the #1 family ranking by winning on multiple dimensions simultaneously. The coast's lowest violent crime rate -- 1.0 per 1,000 residents, compared to 8.1 in Cannon Beach -- gives families the safest residential environment on the coast. Siuslaw School District performs consistently above the coast average. Lane County's 0.64% effective tax rate keeps PITI on a $460,000 home to approximately $2,585/month.

Oregon Dunes NRA provides extraordinary family outdoor access: sandboarding, ATV riding, hiking, and wildlife at a scale that keeps kids engaged year after year. Eugene is 60 miles east for a children's hospital, Costco, and family programming. ONE+ by Rocket Mortgage offers up to $7,000 in grant money with just 1% buyer down on homes up to $350,000.

Full Florence Living Guide →
Newport, Oregon

#2 Strongest K-12 on the Coast · Lincoln County

Living in Newport, Oregon with Kids (2026)

Newport has the coast's strongest school district and the only full acute care hospital north of Coos Bay -- with the most complete year-round family infrastructure at Lincoln County's higher tax rate.

Schools
B+
Newport SD - coast strongest K-12
Affordability
B
$500K - 0.89% Lincoln taxes
Safety
B
Violent crime 2.5 - low
Outdoors for Kids
A
Aquarium, beach, tidepools, trails
Family Community
A
Year-round scene - hospital on-site
Starter Home
$500,000
~$2,850/mo PITI

Newport's school district consistently rates as the coast's strongest for K-12 education. Samaritan Pacific Communities Hospital is on-site: for families with young children, having acute care within 10 minutes is a quality-of-life factor hard to quantify until you need it at 2am. The Oregon Coast Aquarium and a complete year-round restaurant and arts scene give Newport family infrastructure smaller towns cannot provide.

Lincoln County's 0.89% tax rate pushes PITI on a $500,000 home to approximately $2,850/month. Violent crime at 2.5 per 1,000 is low; property crime at 29 is mid-range. Frontier Fiber internet makes Newport the coast's strongest city for families where parents work remotely.

Full Newport Living Guide →
Astoria, Oregon

#3 Best Cultural Environment for Kids · Clatsop County

Living in Astoria, Oregon with Kids (2026)

Astoria offers the coast's richest cultural environment for raising kids -- museums, arts programs, a working waterfront -- at Clatsop County's highest tax rate.

Schools
B
Astoria SD - solid for coast
Affordability
C
$490K - highest county taxes
Safety
B
Violent crime 4.0 - moderate
Outdoors for Kids
B
Columbia River, Fort Stevens, hiking
Family Community
A
Arts, culture, Victorian downtown
Starter Home
$490,000
~$3,100/mo PITI

Astoria offers something rare for a small coastal town: genuine cultural density. The Columbia River Maritime Museum, Astoria Column, Arts Center, and a vibrant downtown with restaurants and breweries mean families have programming options most coast cities cannot provide. The Astoria School District performs consistently, and Columbia Memorial Hospital is on-site for acute care.

Clatsop County's high tax rate pushes PITI on a $490,000 home to approximately $3,100/month. Violent crime at 4.0 per 1,000 is moderate; property crime at 17 is among the coast's lowest. Portland is 95 miles east for children's hospital access and major retail.

Full Astoria Living Guide →
Lincoln City, Oregon

#4 Best Full-Service Family City · Lincoln County

Living in Lincoln City, Oregon with Kids (2026)

The most service-complete family city on the coast -- hospital, Walmart, seven miles of beach, full youth sports infrastructure -- at Lincoln County's higher tax rate.

Schools
B-
Lincoln City SD - solid rating
Affordability
B
$465K - 0.89% Lincoln taxes
Safety
C
Violent crime 4.9 - casino-driven
Outdoors for Kids
A
7mi beach, kite, youth sports
Family Community
B
Full retail, hospital, youth programs
Starter Home
$465,000
~$2,980/mo PITI

Lincoln City is the Oregon Coast's most complete small family city. Samaritan North Lincoln Hospital is on-site; Walmart, Fred Meyer, and Safeway are within a few miles; seven continuous miles of sandy beach give kids a genuine daily outdoor lifestyle; and Lincoln City's youth sports programs are among the coast's most active. For families who need everything within a 15-minute drive, Lincoln City eliminates almost all logistics friction.

Lincoln County's 0.89% tax rate pushes PITI on a $465,000 home to approximately $2,980/month. Violent crime at 4.9 per 1,000 is elevated -- driven by casino traffic and the tourist corridor rather than the residential neighborhoods where families live. The day-to-day residential experience is considerably safer than the aggregate statistic suggests.

Full Lincoln City Living Guide →

First-time family buyer? ONE+ by Rocket Mortgage offers up to $7,000 in grant money with just 1% buyer down on homes up to $350,000 — never repaid. Conventional loans from 3% down, VA at 0% for qualifying veterans.

Learn About ONE+
Seaside, Oregon

#5 Best North Coast Family City · Clatsop County

Living in Seaside, Oregon with Kids (2026)

The north coast's most family-friendly city -- promenade, Providence Hospital on-site, Ecola State Park, and Portland 90 minutes away for children's hospital and major retail.

Schools
B-
Seaside SD - solid coast rating
Affordability
C
$465K - high Clatsop taxes
Safety
C
Violent crime 4.6 - tourist-driven
Outdoors for Kids
A
Promenade, Ecola SP, beach daily
Family Community
B
Promenade culture, Portland 90min
Starter Home
$465,000
~$2,960/mo PITI

Seaside is the north coast's strongest family city for the combination of on-site hospital, walkable beach lifestyle, and Portland proximity. Providence Seaside Hospital handles acute care on-site; OHSU and Doernbecher Children's Hospital in Portland are 90 minutes on US-26 for pediatric specialist care. The Seaside Promenade gives families genuine daily beach walkability -- a lifestyle feature genuinely hard to find on the coast.

Clatsop County taxes push PITI on a $465,000 home to approximately $2,960/month. Violent crime at 4.6 per 1,000 is moderate -- tourist-corridor driven. Property crime at 50.5 is high, primarily concentrated in the commercial tourist zone rather than residential neighborhoods. Portland's children's hospital makes the 90-minute drive a manageable solution.

Full Seaside Living Guide →
Coos Bay, Oregon

#6 Best Value Family City · Coos County

Living in Coos Bay, Oregon with Kids (2026)

The coast's most affordable city with a full hospital -- Bay Area Hospital on-site, complete retail, and community college at the coast's lowest starter home price.

Schools
C+
Coos Bay SD - improving
Affordability
A
$360K -- coast most affordable
Safety
B
Violent crime 3.8 - moderate
Outdoors for Kids
B
Shore Acres, Dunes, fishing
Family Community
B
Hospital, community college, full retail
Starter Home
$360,000
~$2,225/mo PITI

Coos Bay gives families the most financial breathing room of any coast city with real services. A $360,000 starter home at approximately $2,225/month PITI is the coast's lowest for a city with a full hospital, community college, Walmart, and multiple grocery stores. Bay Area Hospital is on-site for acute care.

Coos Bay's school district rating is below the coast's strongest -- the C+ reflects challenges of a working-class port city system, not a fundamentally broken one. Shore Acres State Park and the Oregon Dunes provide excellent family outdoor access. Families who qualify for ONE+ (up to $7,000 grant, 1% buyer down, homes up to $350,000) will find Coos Bay most within reach.

Full Coos Bay Living Guide →
Tillamook, Oregon

#7 Safest + Most Affordable with Hospital · Tillamook County

Living in Tillamook, Oregon with Kids (2026)

Second-lowest violent crime on the coast (2.3 per 1,000), a hospital on-site, Tillamook County's low 0.57% tax rate, and Portland 75 miles away -- underrated for safety-focused families.

Schools
B-
Tillamook SD - solid rural rating
Affordability
A
$470K - 0.57% Tillamook taxes
Safety
A
Violent crime 2.3 -- second lowest
Outdoors for Kids
B
Three Capes, Wilson River, dairy farms
Family Community
B
Safe, quiet, hospital on-site, Portland 75mi
Starter Home
$470,000
~$2,610/mo PITI

Tillamook has the coast's second-lowest violent crime rate (2.3 per 1,000) and a hospital on-site -- a combination no other coast city provides at this price point. Tillamook County's 0.57% effective tax rate keeps PITI on a $470,000 home to approximately $2,610/month. For families who prioritize safety and hospital access at the lowest possible monthly cost, Tillamook is genuinely undervalued.

The lifestyle honest assessment: Tillamook is an agricultural valley city, not a beachfront family destination. The ocean requires a drive to the Three Capes area. Portland is 75 miles east on US-6 for Doernbecher Children's Hospital and major retail. For families who value safety, affordability, and quiet community life over beach-town energy, Tillamook is the coast's most underrated family city.

Full Tillamook Living Guide →
North Bend, Oregon

#8 Coos Bay Alternative for Families · Coos County

Living in North Bend, Oregon with Kids (2026)

Same hospital and infrastructure as Coos Bay, lower violent crime rate, slightly higher price -- the right choice for families who want Coos Bay's services with a more residential feel.

Schools
C+
North Bend SD - similar to Coos Bay
Affordability
A
$415K - low Coos taxes
Safety
B
Violent crime 2.0 - low
Outdoors for Kids
B
Dunes, airport, beach nearby
Family Community
B
Quieter than Coos Bay - same infrastructure
Starter Home
$415,000
~$2,640/mo PITI

North Bend sits next to Coos Bay and shares all of its infrastructure: Bay Area Hospital, Southwestern Oregon Community College, the full retail corridor. The meaningful difference is residential character. At $415,000 and approximately $2,640/month PITI, North Bend is slightly more expensive than Coos Bay while offering a lower violent crime rate (2.0 vs 3.8 per 1,000).

Southwest Oregon Regional Airport is a genuine family asset for holiday travel. Coos County's low effective tax rate keeps monthly costs manageable. The school district rating is comparable to Coos Bay's. For families who want Coos Bay's services in a quieter residential setting, North Bend is the right choice.

Full North Bend Living Guide →
Brookings, Oregon

#9 Sunniest Coast Family City · Curry County

Living in Brookings, Oregon with Kids (2026)

Curry County's 0.42% tax rate, Oregon's sunniest coastal climate, and Redwoods access make Brookings strong for active outdoor families -- with the trade-off of 85 miles to the nearest hospital.

Schools
B-
Brookings-Harbor SD - solid
Affordability
A
$490K - 0.42% Curry -- lowest taxes
Safety
B
Violent crime 2.8 - low
Outdoors for Kids
A
Rogue, Redwoods, harbor, sunshine
Family Community
B
Harbor community - retirement-leaning
Starter Home
$490,000
~$2,570/mo PITI

Brookings offers active families an extraordinary outdoor lifestyle: Rogue River access, California Redwoods 20 miles south, world-class fishing, and roughly 70 more sunny days per year than Astoria. Curry County's 0.42% effective tax rate keeps PITI on a $490,000 home to approximately $2,570/month. Brookings-Harbor School District performs solidly for a district its size.

The family trade-off is healthcare. Brookings has an urgent care clinic, not a hospital. For pediatric emergencies, the nearest options are Coos Bay (75 miles) or Medford (85 miles). Families with young children should factor this carefully. For families in good health who value outdoor lifestyle and low monthly costs, Brookings is a genuinely compelling choice.

Full Brookings Living Guide →
Warrenton, Oregon

#10 Fort Stevens Backyard Family Base · Clatsop County

Living in Warrenton, Oregon with Kids (2026)

Fort Stevens State Park as the family backyard, Columbia Memorial Hospital 10 minutes away in Astoria, and a quiet residential community -- solid for families who want north coast nature access.

Schools
B-
Warrenton-Hammond SD - small district
Affordability
C
$430K - highest county taxes
Safety
B
Violent crime 4.0 - moderate
Outdoors for Kids
A
Fort Stevens, Peter Iredale, pet beach
Family Community
B
Quiet residential - Astoria 10mi
Starter Home
$430,000
~$2,645/mo PITI

Warrenton's family appeal is primarily Fort Stevens: one of Oregon's most family-friendly state parks, with accessible hiking, historical sites, the Peter Iredale shipwreck, and a pet-friendly beach that becomes a summer daily destination. Columbia Memorial Hospital in Astoria is 10 minutes away.

Clatsop County taxes push PITI on a $430,000 home to approximately $2,645/month. Property crime at 52 per 1,000 is the highest on this list -- concentrated in the tourist corridor near Fort Stevens rather than residential neighborhoods. For outdoor-focused families who want north coast nature access at a lower price than Seaside, Warrenton works well.

Full Warrenton Living Guide →
Gold Beach, Oregon

#11 Outdoor Family Lifestyle, Limited Schools · Curry County

Living in Gold Beach, Oregon with Kids (2026)

Curry County's lowest taxes, the coast's lowest crime alongside Tillamook, and extraordinary outdoor access -- but the school district is small and youth programming is thin.

Schools
C
Curry SD - small, limited programs
Affordability
A
$445K - 0.42% Curry taxes
Safety
A
Violent crime 2.0 - very low
Outdoors for Kids
A
Rogue River, fishing, sunshine
Family Community
C
Small town - limited youth programs
Starter Home
$445,000
~$2,390/mo PITI

Gold Beach offers families a genuinely extraordinary outdoor lifestyle at the coast's most favorable tax rate. Curry County's 0.42% effective rate keeps PITI on a $445,000 home to approximately $2,390/month. The Rogue River, fishing, and sunshine rival Brookings' appeal. Violent crime at 2.0 per 1,000 is among the coast's lowest.

Curry County School District serves a small student population with limited AP and extracurricular options. Families who prioritize school quality and youth programming will find Gold Beach constraining; families who homeschool or value outdoor education may find it ideal. Healthcare distance is the same as Brookings -- urgent care locally, hospitals 75+ miles away.

Full Gold Beach Living Guide →
Bandon, Oregon

#12 Quiet Family Town, Limited Youth Infra · Coos County

Living in Bandon, Oregon with Kids (2026)

Coos County's low taxes make Bandon's $520K home surprisingly affordable monthly, but the school district is small and youth programming is oriented toward an older demographic.

Schools
C
Bandon SD - small district
Affordability
B
$520K - low Coos taxes
Safety
B
Violent crime 4.6 - moderate
Outdoors for Kids
B
Beach, Face Rock, Old Town
Family Community
C
Golf-resort adjacent - limited youth programs
Starter Home
$520,000
~$2,485/mo PITI

Bandon's family case is primarily financial and safety-oriented. Coos County's low effective tax rate keeps PITI on a $520,000 home to approximately $2,485/month -- less than Newport's $500K home in Lincoln County. Old Town bayfront and Face Rock beach provide genuine family outdoor access. Bay Area Hospital in Coos Bay is 25 miles north.

Bandon is demographically oriented toward retirees and golf resort visitors, not young families. The school district is very small with limited extracurricular programming. Families who homeschool or are oriented around outdoor life will find Bandon's financial and lifestyle case more compelling.

Full Bandon Living Guide →
Reedsport, Oregon

#13 Most Affordable, Thinnest Family Infra · Douglas County

Living in Reedsport, Oregon with Kids (2026)

The coast's cheapest monthly housing cost with the Oregon Dunes as the family backyard -- but school district, youth programming, and retail infrastructure are the coast's thinnest.

Schools
C
Reedsport SD - small, limited
Affordability
A
$320K -- coast lowest
Safety
B
Violent crime 2.0 - very low
Outdoors for Kids
A
Oregon Dunes NRA next door
Family Community
D
Very limited youth programs and services
Starter Home
$320,000
~$2,100/mo PITI

Reedsport gives families the coast's lowest monthly housing cost: $320,000 and approximately $2,100/month PITI. Oregon Dunes NRA next door provides extraordinary outdoor access for kids. For the ONE+ first-time buyer program (up to $7,000 grant, 1% down, up to $350,000), Reedsport is one of the few coast cities where the program opens almost the full market.

The family infrastructure limitations are real and significant. Reedsport's school district is small with limited programming. Youth sports and extracurricular options are thin. Coos Bay (28 miles) and Florence (25 miles) are the solutions for most services. For financially focused, outdoorsy families in a small-town environment, Reedsport's financial case is compelling. For families who need robust school and youth infrastructure, it is not the right fit.

Full Reedsport Living Guide →
Yachats, Oregon

#14 Extraordinary Setting, No School in Town · Lincoln County

Living in Yachats, Oregon with Kids (2026)

There is no school in Yachats -- children are bused to Waldport. For families with young children, this is a meaningful daily logistics factor on top of an already expensive and small community.

Schools
C
No school in Yachats -- bused to Waldport
Affordability
B
$550K - moderate Lincoln taxes
Safety
C
Violent crime 6.7 - statistical noise at 979 pop
Outdoors for Kids
A
Cape Perpetua, tidal pools, trails
Family Community
C
979 residents - arts scene - adult-oriented
Starter Home
$550,000
~$2,760/mo PITI

Yachats requires an honest note for families: there is no school in Yachats. Children are bused to Waldport for K-12 education -- a 20-minute bus ride each direction. For families where school proximity matters for after-school activities, parent involvement, and daily logistics, this is a significant practical constraint.

For families who homeschool, or whose children are very young, or who prioritize lifestyle over school proximity, Yachats offers an extraordinary environment: Cape Perpetua, tidal pools, and a genuinely beautiful small town. The $550,000 home price and 979-person community are the other filters. This is a small, expensive town with adult energy.

Full Yachats Living Guide →
Gearhart, Oregon

#15 Peaceful + Adult-Oriented Community · Clatsop County

Living in Gearhart, Oregon with Kids (2026)

Zero violent crime, but $560K home price, $3,510/month PITI, and a community with essentially no youth infrastructure -- Gearhart fits a very specific and well-resourced family profile.

Schools
C
Warrenton-Hammond SD or Seaside SD nearby
Affordability
C
$560K - Clatsop taxes - $93K income needed
Safety
A
Violent crime 0 -- coast safest
Outdoors for Kids
B
Golf, wide quiet beach, absolute quiet
Family Community
D
No youth-oriented community infrastructure
Starter Home
$560,000
~$3,510/mo PITI

Gearhart is the coast's safest community by a wide margin -- literally 0 violent crime per 1,000 residents. For a specific family: financially established, with older or independently-minded kids, oriented toward golf and quiet outdoor lifestyle, and comfortable driving to Seaside (5 minutes) or Astoria (20 minutes) for services, Gearhart works. A $560,000 home at approximately $3,510/month PITI.

Gearhart has essentially no youth infrastructure: no school in town, no youth sports, no children's programming. Everything requires a drive to Seaside or Astoria. For young families with children who need community infrastructure, Gearhart is poorly positioned.

Full Gearhart Living Guide →
Cannon Beach, Oregon

#16 Luxury Setting, Highest Cost + Crime · Clatsop County

Living in Cannon Beach, Oregon with Kids (2026)

Cannon Beach has the coast's highest home prices, highest crime rate, and thinnest year-round family community -- with the most dramatic natural setting. A luxury option for a very specific and high-income family.

Schools
C
Seaside SD - school in Cannon Beach area
Affordability
D
$950K - requires $138K+/yr income
Safety
D
Violent crime 8.1 -- coast highest
Outdoors for Kids
B
Haystack Rock, Ecola SP, beach
Family Community
C
Tourist-dominant - thin year-round family scene
Starter Home
$950,000
~$5,750/mo PITI

Cannon Beach is the coast's most expensive city and ranks last for families because it fails the practical tests. At $950,000 and approximately $5,750/month PITI, it requires $138,000+/year income for housing alone. The violent crime rate of 8.1 per 1,000 and property crime of 68.6 are driven by the overwhelming tourist economy.

The year-round family community is thin: Cannon Beach's permanent population is 1,498 people, and the town's energy is calibrated to tourists rather than families with school-age children. For the financially established family that specifically wants this address, Cannon Beach delivers its promise. For typical families optimizing for school quality, safety, and reasonable costs, Seaside (8 miles south) is the north coast alternative.

Full Cannon Beach Living Guide →

Let's Find the Right City for Your Family

Every family's priorities are different — school district, commute, budget, outdoor lifestyle. I can run side-by-side payment comparisons for any cities you're considering and walk through which programs open up your options. One conversation, real numbers.

๐Ÿ“ž 971-275-2465  ·  โœ‰๏ธ todddavidson@rocketmortgage.com

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Todd Davidson

About the Author

Todd Davidson is an Executive Loan Officer with Rocket Mortgage (NMLS #2003696) licensed in Oregon and Washington. He manages a nearly 100,000-member Pacific Northwest relocation community and has published in-depth guides for 182 Oregon and Washington cities. Schedule a free relocation budget session →