📊 2026 Market Report: Oregon Coast home prices, appreciation, and days on market — all 16 cities  ·  Get a Free Mortgage Quote →
Haystack Rock at sunset, Cannon Beach, Oregon Coast

Oregon Coast · Real Estate Market · 2026 Report

Oregon Coast Real Estate
Market Report 2026

Median prices, year-over-year appreciation, days on market, inventory levels, and buyer vs. seller conditions — every city from Astoria to Brookings, analyzed by a local loan officer.

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
🏠 Oregon Coast Mortgage Expert

The Oregon Coast real estate market in 2026 is being driven by three forces that aren't going away: near-zero rental vacancy, continued remote-work migration from Portland and Seattle, and essentially no new housing supply coming online in any coastal city. The result is a market that has confounded buyers who've been waiting for prices to soften — in most coast cities, they haven't.

What I'm seeing from my clients: the buyers who are winning are pre-approved, decisive, and understand that county property taxes — not just purchase price — determine what they can actually afford monthly. A $465,000 home in Florence (Lane County, 0.67%) and a $465,000 home in Seaside (Clatsop County, 0.63%) look identical on the listing sheet but carry meaningfully different monthly payments. This report gives you the full picture for every city.

Oregon Coast Market at a Glance — June 2026

Overall Market ConditionSeller's market in 14 of 16 cities. Balanced conditions only in Reedsport, Coos Bay, North Bend, and Tillamook — the coast's higher-inventory markets.
Price Range (3-bed starter)$320,000 (Reedsport) to $950,000 (Cannon Beach). Coast-wide median for the 16-city group: approximately $468,000.
Average Appreciation YoY+5.8% coast-wide average. Strongest: Brookings (+9.4%), Gold Beach (+8.7%), Cannon Beach (+8.2%). Slowest: Reedsport (+2.8%), Coos Bay (+3.2%).
Days on Market Range22 days (Cannon Beach, fastest) to 58 days (Reedsport, slowest). Coast-wide average: approximately 35 days — well below national averages.
Inventory ConditionsVery low inventory in 6 cities. Low inventory in 6 cities. Moderate inventory in only 4 cities (Tillamook, North Bend, Coos Bay, Reedsport).
Interest Rate Used6.30% — the market average as of this report. PITI calculations include county-specific property taxes and a 0.65% insurance estimate. Rates change daily — call for a live quote.

All 16 Cities: Market Snapshot

Sorted by home price (highest to lowest). Click any city name to jump to the detailed breakdown.

CityMedian PriceYoY ChangeAvg Days on MarketMarket ConditionTier
Cannon Beach
Clatsop County
$950,000 +8.2% 22 days 🔥 Strong Seller Luxury
Gearhart
Clatsop County
$560,000 +5.1% 35 days 📈 Seller's Market Premium
Yachats
Lincoln County
$550,000 +6.3% 28 days 📈 Seller's Market Premium
Bandon
Coos County
$520,000 +4.8% 40 days 📈 Seller's Market Mid-Upper
Newport
Lincoln County
$500,000 +5.9% 31 days 📈 Seller's Market Mid-Upper
Astoria
Clatsop County
$490,000 +7.1% 26 days 📈 Seller's Market Mid-Upper
Brookings
Curry County
$490,000 +9.4% 24 days 🔥 Strong Seller Mid-Upper
Florence
Lane County
$460,000 +6.8% 29 days 📈 Seller's Market Mid
Tillamook
Tillamook County
$470,000 +4.2% 44 days ⚖️ Balanced Mid
Seaside
Clatsop County
$465,000 +5.7% 33 days 📈 Seller's Market Mid
Lincoln City
Lincoln County
$465,000 +4.9% 36 days 📈 Seller's Market Mid
Warrenton
Clatsop County
$430,000 +5.3% 38 days 📈 Seller's Market Mid
North Bend
Coos County
$415,000 +3.8% 47 days ⚖️ Balanced Value
Gold Beach
Curry County
$445,000 +8.7% 27 days 🔥 Strong Seller Value
Coos Bay
Coos County
$360,000 +3.2% 51 days ⚖️ Balanced Value
Reedsport
Douglas County
$320,000 +2.8% 58 days ⚖️ Balanced Value

Full City-by-City Market Analysis

Cannon Beach, Oregon

Luxury Tier · Clatsop County · 🔥 Strong Seller

Cannon Beach, Oregon Real Estate Market 2026

Median home price $950,000 · +8.2% YoY · 22 avg days on market · Very Low inventory

Median Price
$950,000
3-bed starter home 2026
Year-Over-Year
+8.2%
Price appreciation
Days on Market
22
Avg days to contract
Monthly PITI
$5,630
20% down · 6.30% · taxes+ins
Income Needed
$90,080/yr
Gross income to qualify
Property Tax Rate
0.52%
Clatsop County effective rate

Cannon Beach sits in the Luxury tier of the Oregon Coast market in 2026. With a median starter home price of $950,000 and +8.2% year-over-year appreciation, homes are moving fast at an average of 22 days — expect competition on well-priced listings. Clatsop County's effective property tax rate of 0.52% is among the lowest on the coast, keeping monthly carrying costs competitive.

The local economy is anchored by Cannon Beach's primary employers and a tourism-dominated economic base. Median household income in Cannon Beach is $69,375 — near the income needed to comfortably carry a local mortgage, which reflects a healthy local market where some residents can afford local homes. Violent crime rate: 8.1 per 1,000 residents. Property crime rate: 68.6 per 1,000 — higher than the coast average, driven primarily by tourist-area theft.

Full Cannon Beach Living Guide →
Gearhart, Oregon

Premium Tier · Clatsop County · 📈 Seller's Market

Gearhart, Oregon Real Estate Market 2026

Median home price $560,000 · +5.1% YoY · 35 avg days on market · Very Low inventory

Median Price
$560,000
3-bed starter home 2026
Year-Over-Year
+5.1%
Price appreciation
Days on Market
35
Avg days to contract
Monthly PITI
$3,398
20% down · 6.30% · taxes+ins
Income Needed
$54,368/yr
Gross income to qualify
Property Tax Rate
0.69%
Clatsop County effective rate

Gearhart sits in the Premium tier of the Oregon Coast market in 2026. With a median starter home price of $560,000 and +5.1% year-over-year appreciation, the market is average days on market of 35 days — buyers have more negotiating room than in tighter markets. Clatsop County's effective property tax rate of 0.69% is moderate.

The local economy is anchored by Gearhart's primary employers and a tourism-dominated economic base. Median household income in Gearhart is $85,966 — near the income needed to comfortably carry a local mortgage, which reflects a healthy local market where some residents can afford local homes. Violent crime rate: 0 per 1,000 residents. Property crime rate: 31.4 per 1,000 — mid-range for the coast.

Full Gearhart Living Guide →
Yachats, Oregon

Premium Tier · Lincoln County · 📈 Seller's Market

Yachats, Oregon Real Estate Market 2026

Median home price $550,000 · +6.3% YoY · 28 avg days on market · Very Low inventory

Median Price
$550,000
3-bed starter home 2026
Year-Over-Year
+6.3%
Price appreciation
Days on Market
28
Avg days to contract
Monthly PITI
$3,360
20% down · 6.30% · taxes+ins
Income Needed
$53,760/yr
Gross income to qualify
Property Tax Rate
0.74%
Lincoln County effective rate

Yachats sits in the Premium tier of the Oregon Coast market in 2026. With a median starter home price of $550,000 and +6.3% year-over-year appreciation, homes are moving fast at an average of 28 days — expect competition on well-priced listings. Lincoln County's effective property tax rate of 0.74% is moderate.

The local economy is anchored by Yachats's primary employers and a tourism-dominated economic base. Median household income in Yachats is $67,125 — near the income needed to comfortably carry a local mortgage, which reflects a healthy local market where some residents can afford local homes. Violent crime rate: 6.7 per 1,000 residents. Property crime rate: 19.6 per 1,000 — among the coast's lowest.

Full Yachats Living Guide →
Bandon, Oregon

Mid-Upper Tier · Coos County · 📈 Seller's Market

Bandon, Oregon Real Estate Market 2026

Median home price $520,000 · +4.8% YoY · 40 avg days on market · Low inventory

Median Price
$520,000
3-bed starter home 2026
Year-Over-Year
+4.8%
Price appreciation
Days on Market
40
Avg days to contract
Monthly PITI
$3,151
20% down · 6.30% · taxes+ins
Income Needed
$50,416/yr
Gross income to qualify
Property Tax Rate
0.68%
Coos County effective rate

Bandon sits in the Mid-Upper tier of the Oregon Coast market in 2026. With a median starter home price of $520,000 and +4.8% year-over-year appreciation, the market is average days on market of 40 days — buyers have more negotiating room than in tighter markets. Coos County's effective property tax rate of 0.68% is moderate.

The local economy is anchored by Bandon's primary employers and a tourism-dominated economic base. Median household income in Bandon is $48,187 — well below the income needed to comfortably carry a local mortgage, which explains why most buyers are relocating from higher-income markets rather than buying locally. Violent crime rate: 4.6 per 1,000 residents. Property crime rate: 34.7 per 1,000 — mid-range for the coast.

Full Bandon Living Guide →

Buying in a seller's market? Our lender-paid 1-0 Buydown drops your rate 1% in Year 1 at no cost to you — helping offset rising prices with lower Year 1 payments. Conventional loans from 3% down available. VA at 0% for veterans.

See How It Works
Newport, Oregon

Mid-Upper Tier · Lincoln County · 📈 Seller's Market

Newport, Oregon Real Estate Market 2026

Median home price $500,000 · +5.9% YoY · 31 avg days on market · Low inventory

Median Price
$500,000
3-bed starter home 2026
Year-Over-Year
+5.9%
Price appreciation
Days on Market
31
Avg days to contract
Monthly PITI
$3,117
20% down · 6.30% · taxes+ins
Income Needed
$49,872/yr
Gross income to qualify
Property Tax Rate
0.89%
Lincoln County effective rate

Newport sits in the Mid-Upper tier of the Oregon Coast market in 2026. With a median starter home price of $500,000 and +5.9% year-over-year appreciation, homes are moving fast at an average of 31 days — expect competition on well-priced listings. Lincoln County's effective property tax rate of 0.89% is the highest on the Oregon Coast, meaningfully raising monthly payments versus comparable-priced homes in lower-tax counties.

The local economy is anchored by Newport's primary employers and a mixed economic base. Median household income in Newport is $60,568 — near the income needed to comfortably carry a local mortgage, which reflects a healthy local market where some residents can afford local homes. Violent crime rate: 2.5 per 1,000 residents. Property crime rate: 29 per 1,000 — mid-range for the coast.

Full Newport Living Guide →
Astoria, Oregon

Mid-Upper Tier · Clatsop County · 📈 Seller's Market

Astoria, Oregon Real Estate Market 2026

Median home price $490,000 · +7.1% YoY · 26 avg days on market · Low inventory

Median Price
$490,000
3-bed starter home 2026
Year-Over-Year
+7.1%
Price appreciation
Days on Market
26
Avg days to contract
Monthly PITI
$2,973
20% down · 6.30% · taxes+ins
Income Needed
$47,568/yr
Gross income to qualify
Property Tax Rate
0.69%
Clatsop County effective rate

Astoria sits in the Mid-Upper tier of the Oregon Coast market in 2026. With a median starter home price of $490,000 and +7.1% year-over-year appreciation, homes are moving fast at an average of 26 days — expect competition on well-priced listings. Clatsop County's effective property tax rate of 0.69% is moderate.

The local economy is anchored by Astoria's primary employers and a mixed economic base. Median household income in Astoria is $68,007 — near the income needed to comfortably carry a local mortgage, which reflects a healthy local market where some residents can afford local homes. Violent crime rate: 4.0 per 1,000 residents. Property crime rate: 17 per 1,000 — among the coast's lowest.

Full Astoria Living Guide →
Brookings, Oregon

Mid-Upper Tier · Curry County · 🔥 Strong Seller

Brookings, Oregon Real Estate Market 2026

Median home price $490,000 · +9.4% YoY · 24 avg days on market · Very Low inventory

Median Price
$490,000
3-bed starter home 2026
Year-Over-Year
+9.4%
Price appreciation
Days on Market
24
Avg days to contract
Monthly PITI
$2,863
20% down · 6.30% · taxes+ins
Income Needed
$45,808/yr
Gross income to qualify
Property Tax Rate
0.42%
Curry County effective rate

Brookings sits in the Mid-Upper tier of the Oregon Coast market in 2026. With a median starter home price of $490,000 and +9.4% year-over-year appreciation, homes are moving fast at an average of 24 days — expect competition on well-priced listings. Curry County's effective property tax rate of 0.42% is among the lowest on the coast, keeping monthly carrying costs competitive.

The local economy is anchored by Brookings's primary employers and a mixed economic base. Median household income in Brookings is $74,933 — near the income needed to comfortably carry a local mortgage, which reflects a healthy local market where some residents can afford local homes. Violent crime rate: 2.8 per 1,000 residents. Property crime rate: 14 per 1,000 — among the coast's lowest.

Full Brookings Living Guide →
Florence, Oregon

Mid Tier · Lane County · 📈 Seller's Market

Florence, Oregon Real Estate Market 2026

Median home price $460,000 · +6.8% YoY · 29 avg days on market · Low inventory

Median Price
$460,000
3-bed starter home 2026
Year-Over-Year
+6.8%
Price appreciation
Days on Market
29
Avg days to contract
Monthly PITI
$2,783
20% down · 6.30% · taxes+ins
Income Needed
$44,528/yr
Gross income to qualify
Property Tax Rate
0.67%
Lane County effective rate

Florence sits in the Mid tier of the Oregon Coast market in 2026. With a median starter home price of $460,000 and +6.8% year-over-year appreciation, homes are moving fast at an average of 29 days — expect competition on well-priced listings. Lane County's effective property tax rate of 0.67% is moderate.

The local economy is anchored by Florence's primary employers and a mixed economic base. Median household income in Florence is $53,333 — well below the income needed to comfortably carry a local mortgage, which explains why most buyers are relocating from higher-income markets rather than buying locally. Violent crime rate: 1.0 per 1,000 residents. Property crime rate: 21 per 1,000 — mid-range for the coast.

Full Florence Living Guide →
Tillamook, Oregon

Mid Tier · Tillamook County · ⚖️ Balanced

Tillamook, Oregon Real Estate Market 2026

Median home price $470,000 · +4.2% YoY · 44 avg days on market · Moderate inventory

Median Price
$470,000
3-bed starter home 2026
Year-Over-Year
+4.2%
Price appreciation
Days on Market
44
Avg days to contract
Monthly PITI
$2,805
20% down · 6.30% · taxes+ins
Income Needed
$44,880/yr
Gross income to qualify
Property Tax Rate
0.57%
Tillamook County effective rate

Tillamook sits in the Mid tier of the Oregon Coast market in 2026. With a median starter home price of $470,000 and +4.2% year-over-year appreciation, the market is average days on market of 44 days — buyers have more negotiating room than in tighter markets. Tillamook County's effective property tax rate of 0.57% is among the lowest on the coast, keeping monthly carrying costs competitive.

The local economy is anchored by Tillamook's primary employers and a mixed economic base. Median household income in Tillamook is $58,176 — near the income needed to comfortably carry a local mortgage, which reflects a healthy local market where some residents can afford local homes. Violent crime rate: 2.3 per 1,000 residents. Property crime rate: 36.43 per 1,000 — mid-range for the coast.

Full Tillamook Living Guide →
Seaside, Oregon

Mid Tier · Clatsop County · 📈 Seller's Market

Seaside, Oregon Real Estate Market 2026

Median home price $465,000 · +5.7% YoY · 33 avg days on market · Low inventory

Median Price
$465,000
3-bed starter home 2026
Year-Over-Year
+5.7%
Price appreciation
Days on Market
33
Avg days to contract
Monthly PITI
$2,798
20% down · 6.30% · taxes+ins
Income Needed
$44,768/yr
Gross income to qualify
Property Tax Rate
0.63%
Clatsop County effective rate

Seaside sits in the Mid tier of the Oregon Coast market in 2026. With a median starter home price of $465,000 and +5.7% year-over-year appreciation, homes are moving fast at an average of 33 days — expect competition on well-priced listings. Clatsop County's effective property tax rate of 0.63% is moderate.

The local economy is anchored by Seaside's primary employers and a mixed economic base. Median household income in Seaside is $45,807 — well below the income needed to comfortably carry a local mortgage, which explains why most buyers are relocating from higher-income markets rather than buying locally. Violent crime rate: 4.6 per 1,000 residents. Property crime rate: 50.5 per 1,000 — higher than the coast average, driven primarily by tourist-area theft.

Full Seaside Living Guide →
Lincoln City, Oregon

Mid Tier · Lincoln County · 📈 Seller's Market

Lincoln City, Oregon Real Estate Market 2026

Median home price $465,000 · +4.9% YoY · 36 avg days on market · Low inventory

Median Price
$465,000
3-bed starter home 2026
Year-Over-Year
+4.9%
Price appreciation
Days on Market
36
Avg days to contract
Monthly PITI
$2,899
20% down · 6.30% · taxes+ins
Income Needed
$46,384/yr
Gross income to qualify
Property Tax Rate
0.89%
Lincoln County effective rate

Lincoln City sits in the Mid tier of the Oregon Coast market in 2026. With a median starter home price of $465,000 and +4.9% year-over-year appreciation, the market is average days on market of 36 days — buyers have more negotiating room than in tighter markets. Lincoln County's effective property tax rate of 0.89% is the highest on the Oregon Coast, meaningfully raising monthly payments versus comparable-priced homes in lower-tax counties.

The local economy is anchored by Lincoln City's primary employers and a mixed economic base. Median household income in Lincoln City is $56,635 — near the income needed to comfortably carry a local mortgage, which reflects a healthy local market where some residents can afford local homes. Violent crime rate: 4.9 per 1,000 residents. Property crime rate: 19.5 per 1,000 — among the coast's lowest.

Full Lincoln City Living Guide →
Warrenton, Oregon

Mid Tier · Clatsop County · 📈 Seller's Market

Warrenton, Oregon Real Estate Market 2026

Median home price $430,000 · +5.3% YoY · 38 avg days on market · Low inventory

Median Price
$430,000
3-bed starter home 2026
Year-Over-Year
+5.3%
Price appreciation
Days on Market
38
Avg days to contract
Monthly PITI
$2,577
20% down · 6.30% · taxes+ins
Income Needed
$41,232/yr
Gross income to qualify
Property Tax Rate
0.60%
Clatsop County effective rate

Warrenton sits in the Mid tier of the Oregon Coast market in 2026. With a median starter home price of $430,000 and +5.3% year-over-year appreciation, the market is average days on market of 38 days — buyers have more negotiating room than in tighter markets. Clatsop County's effective property tax rate of 0.60% is moderate.

The local economy is anchored by Warrenton's primary employers and a mixed economic base. Median household income in Warrenton is $70,670 — near the income needed to comfortably carry a local mortgage, which reflects a healthy local market where some residents can afford local homes. Violent crime rate: 4.0 per 1,000 residents. Property crime rate: 52 per 1,000 — higher than the coast average, driven primarily by tourist-area theft.

Full Warrenton Living Guide →
North Bend, Oregon

Value Tier · Coos County · ⚖️ Balanced

North Bend, Oregon Real Estate Market 2026

Median home price $415,000 · +3.8% YoY · 47 avg days on market · Moderate inventory

Median Price
$415,000
3-bed starter home 2026
Year-Over-Year
+3.8%
Price appreciation
Days on Market
47
Avg days to contract
Monthly PITI
$2,494
20% down · 6.30% · taxes+ins
Income Needed
$39,904/yr
Gross income to qualify
Property Tax Rate
0.62%
Coos County effective rate

North Bend sits in the Value tier of the Oregon Coast market in 2026. With a median starter home price of $415,000 and +3.8% year-over-year appreciation, the market is average days on market of 47 days — buyers have more negotiating room than in tighter markets. Coos County's effective property tax rate of 0.62% is moderate.

The local economy is anchored by North Bend's primary employers and a mixed economic base. Median household income in North Bend is $81,320 — near the income needed to comfortably carry a local mortgage, which reflects a healthy local market where some residents can afford local homes. Violent crime rate: 2.0 per 1,000 residents. Property crime rate: 32 per 1,000 — mid-range for the coast.

Full North Bend Living Guide →
Gold Beach, Oregon

Value Tier · Curry County · 🔥 Strong Seller

Gold Beach, Oregon Real Estate Market 2026

Median home price $445,000 · +8.7% YoY · 27 avg days on market · Very Low inventory

Median Price
$445,000
3-bed starter home 2026
Year-Over-Year
+8.7%
Price appreciation
Days on Market
27
Avg days to contract
Monthly PITI
$2,663
20% down · 6.30% · taxes+ins
Income Needed
$42,608/yr
Gross income to qualify
Property Tax Rate
0.59%
Curry County effective rate

Gold Beach sits in the Value tier of the Oregon Coast market in 2026. With a median starter home price of $445,000 and +8.7% year-over-year appreciation, homes are moving fast at an average of 27 days — expect competition on well-priced listings. Curry County's effective property tax rate of 0.59% is among the lowest on the coast, keeping monthly carrying costs competitive.

The local economy is anchored by Gold Beach's primary employers and a tourism-dominated economic base. Median household income in Gold Beach is $56,014 — near the income needed to comfortably carry a local mortgage, which reflects a healthy local market where some residents can afford local homes. Violent crime rate: 2.0 per 1,000 residents. Property crime rate: 14.9 per 1,000 — among the coast's lowest.

Full Gold Beach Living Guide →
Coos Bay, Oregon

Value Tier · Coos County · ⚖️ Balanced

Coos Bay, Oregon Real Estate Market 2026

Median home price $360,000 · +3.2% YoY · 51 avg days on market · Moderate inventory

Median Price
$360,000
3-bed starter home 2026
Year-Over-Year
+3.2%
Price appreciation
Days on Market
51
Avg days to contract
Monthly PITI
$2,208
20% down · 6.30% · taxes+ins
Income Needed
$35,328/yr
Gross income to qualify
Property Tax Rate
0.77%
Coos County effective rate

Coos Bay sits in the Value tier of the Oregon Coast market in 2026. With a median starter home price of $360,000 and +3.2% year-over-year appreciation, the market is average days on market of 51 days — buyers have more negotiating room than in tighter markets. Coos County's effective property tax rate of 0.77% is moderate.

The local economy is anchored by Coos Bay's primary employers and a mixed economic base. Median household income in Coos Bay is $56,524 — near the income needed to comfortably carry a local mortgage, which reflects a healthy local market where some residents can afford local homes. Violent crime rate: 3.8 per 1,000 residents. Property crime rate: 27.8 per 1,000 — mid-range for the coast.

Full Coos Bay Living Guide →
Reedsport, Oregon

Value Tier · Douglas County · ⚖️ Balanced

Reedsport, Oregon Real Estate Market 2026

Median home price $320,000 · +2.8% YoY · 58 avg days on market · Moderate inventory

Median Price
$320,000
3-bed starter home 2026
Year-Over-Year
+2.8%
Price appreciation
Days on Market
58
Avg days to contract
Monthly PITI
$1,922
20% down · 6.30% · taxes+ins
Income Needed
$30,752/yr
Gross income to qualify
Property Tax Rate
0.62%
Douglas County effective rate

Reedsport sits in the Value tier of the Oregon Coast market in 2026. With a median starter home price of $320,000 and +2.8% year-over-year appreciation, the market is average days on market of 58 days — buyers have more negotiating room than in tighter markets. Douglas County's effective property tax rate of 0.62% is moderate.

The local economy is anchored by Reedsport's primary employers and a tourism-dominated economic base. Median household income in Reedsport is $53,571 — well below the income needed to comfortably carry a local mortgage, which explains why most buyers are relocating from higher-income markets rather than buying locally. Violent crime rate: 2.0 per 1,000 residents. Property crime rate: 16 per 1,000 — among the coast's lowest.

Full Reedsport Living Guide →

Oregon Coast Market: 3 Key Takeaways for 2026

Buyers Who Wait Are Losing

The structural conditions driving Oregon Coast appreciation — no rental alternatives, remote-work migration, no new supply — are not correcting in 2026. In 12 of 16 cities, buyers who have waited 12 months have paid more, not less. The exception is the moderate-inventory cities (Reedsport, Coos Bay, North Bend, Tillamook) where buyers have more leverage.

County Taxes Determine True Affordability

Two identically-priced homes in different counties can have monthly PITI differences of $200–$400. Curry County's 0.42% rate vs. Lincoln County's 0.89% rate on a $460,000 home is a $217/month difference — $2,600/year — for the life of the mortgage. Run the full PITI, not just the purchase price.

The Rent-vs-Buy Math Favors Buying

In most Oregon Coast cities, a buyer's monthly PITI is lower than available market rent — and with near-zero rental vacancy in most cities, renting isn't always even an option. Buyers locking in at today's rates get fixed-cost stability that renters in this market can't access.

Get a Live Rate and Payment Estimate

The numbers in this report reflect market averages as of June 2026. Your actual monthly payment depends on your credit score, down payment, and the specific property — and rates change daily. I can give you a precise, personalized payment scenario for any city on this list in one conversation.

📞 971-275-2465  ·  ✉️ todddavidson@rocketmortgage.com

Frequently Asked Questions

Is it a good time to buy on the Oregon Coast in 2026?+

For buyers with a stable income and a down payment, 2026 is a reasonable time to buy in most coast cities. The structural drivers of appreciation — very low inventory, near-zero rental vacancy, remote-work migration — show no signs of reversing. Buyers who've waited for price corrections in recent years have generally paid more, not less. The cities with the most buyer-favorable conditions currently are Reedsport, Coos Bay, North Bend, and Tillamook, where moderate inventory gives buyers more negotiating room.

Which Oregon Coast city is the best investment in 2026?+

For appreciation, Brookings and Gold Beach have shown the strongest 2026 price growth (+9.4% and +8.7%) and both have structural tailwinds: Curry County's lowest-on-coast property taxes, the "banana belt" climate discovery effect, and very limited inventory. For cash flow on a rental basis, Coos Bay and North Bend offer the most favorable rent-to-price ratios. Cannon Beach is a pure equity-growth market — not a cash flow play. Consult a financial advisor for investment-specific guidance.

How long do homes stay on the market on the Oregon Coast?+

Oregon Coast homes average 35 days on market coast-wide in 2026 — well below national averages. The fastest markets are Cannon Beach (22 days), Gold Beach (27 days), Yachats (28 days), and Brookings (24 days). The slowest markets — where buyers have more time and negotiating room — are Reedsport (58 days), Coos Bay (51 days), and North Bend (47 days). Being pre-approved is essential in fast-moving markets.

Do I need 20% down to buy on the Oregon Coast?+

No — conventional loans are available with as little as 3% down on the Oregon Coast. FHA loans require 3.5% down, and VA loans are 0% down for qualifying veterans. The ONE+ by Rocket Mortgage program offers up to $7,000 in down payment grant money with just 1% buyer down payment for qualifying first-time buyers on homes up to $350,000. Call 971-275-2465 for current program eligibility in your target city.

More Oregon Coast Guides

📊 Cost of Living

All 16 Cities Ranked 2026

Read →
🏖 Retirement

Best Places to Retire 2026

Read →
👨‍👩‍👧 Families

Best Places for Families 2026

Read →
💻 Remote Work

Best for Remote Workers 2026

Read →
🏠 Market Data

Real Estate Market Report 2026

Read →
🌊 Comparison

Oregon Coast vs. Washington Coast

Read →
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 →