Oregon closing cost calculator

Oregon buyers pay no transfer or mortgage tax, except possibly a share of Washington County’s 0.1% tax. Property taxes are paid in advance, so buyers usually reimburse sellers.

Oregon’s rules checked September 30, 2026Runs in your browser. Nothing you type is saved.

State Closing date

County or city

Oregon: No state transfer tax. Owner’s title is usually paid by the seller.

Purchase price

$

The loan

Loan type

Down payment

Interest rate

%

Term

Estimated cash to close $112,960

2.6%closing costs

Purchase price$500,000
Down payment (20%)$100,000
- Loan amount$400,000
Loan costs+$4,700
- Origination and lender feesest.+$4,000
- Appraisalest.+$700
Title and closing+$1,350
- Lender’s title insuranceest.+$500
- Settlement or escrow feeest.+$600
- Recording feesest.+$250
Taxes+$370
- Property taxes the seller prepaidest.+$370
Prepaids and escrow+$6,090
- Homeowner’s insurance, first yearest.+$2,500
- Prepaid interest (27 days)est.+$1,923
- Property tax escrow (3 months)est.+$1,250
- Insurance escrow (2 months)est.+$417
Other costs+$450
- Home inspectionest.+$450
Cash to close$112,960

Estimated monthly payment$3,153

Principal and interest$2,528
Mortgage insurance$0
Property taxes$417
Insurance$208
HOA dues$0

An estimate, not a Loan Estimate or Closing Disclosure. Your lender's Loan Estimate and the title or escrow company give the final figures. Rates, fees and insurance vary by lender and property.

Save it to your client and send it as a link. Cash-to-close sheets are free in Workspace, opening soon.Save it to your client and send it as a link. Cash-to-close sheets are free in Workspace.Save it to your client and send it as a link. Cash-to-close sheets are free in Workspace.

A Oregon purchase, worked out

The calculator opens on $500,000, about the median value of an owner-occupied home in Oregon ($497,500, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $112,960: $100,000 down and $12,960 in closing costs, 2.6% of the price. Oregon charges the buyer no state transfer or mortgage tax, though a county or city can. The monthly payment comes to about $3,153, with property tax and insurance.

Cash to close on $500,000, 20% down
Down payment	$100,000
Origination and lender feesest.	+$4,000
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Settlement or escrow feeest.	+$600
Recording feesest.	+$250
Property taxes the seller prepaidest.	+$370
Homeowner’s insurance, first yearest.	+$2,500
Prepaid interest (27 days)est.	+$1,923
Property tax escrow (3 months)est.	+$1,250
Insurance escrow (2 months)est.	+$417
Home inspectionest.	+$450
Cash to close	$112,960

Estimates are tagged “est.”; Oregon’s taxes follow its rules. A “−” is a credit, like the seller’s share of this year’s property tax where it’s paid after the year ends.

At other prices

Oregon has no state tax of its own on the buyer. Each row has 20% down on a conventional loan.

Price	Oregon’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	—	$8,022	$58,022	$1,597
$500,000	—	$12,960	$112,960	$3,153
$750,000	—	$18,350	$168,350	$4,730
$1,000,000	—	$23,800	$223,800	$6,307
$2,000,000	—	$45,599	$445,599	$12,613

Buying in Oregon: what to know

No buyer’s taxes

Oregon has no buyer-paid mortgage tax. In Washington County the 0.1% transfer tax is split as the contract says.

No state transfer tax

Oregon has no state transfer tax, and state law bars local ones except taxes already in effect in 1997. That leaves Washington County (Hillsboro, Beaverton, Tigard), which charges $1 per $1,000 of the price (0.1%). The county says liability is between buyer and seller.

Title insurance

The seller customarily pays for the standard-coverage owner’s policy in Oregon. Confirm with your title company.

Who runs the closing

Escrow and title companies close Oregon sales. An attorney isn’t required.

Property taxes and escrow

Oregon’s tax year runs July 1 to June 30, with bills in October. Taxes can be paid in full (with a discount) or in thirds due November 15, February 15 and May 15. They cover the current year and are paid before it ends, so the buyer generally reimburses the seller for the prepaid period.

Local differences

Washington County (Hillsboro, Beaverton, Tigard) is the only Oregon county with a transfer tax: $1 per $1,000 (0.1%). Most of Portland is in Multnomah County, which has none. Pick Washington County in the calculator to include it.

Oregon by county

Most of Oregon follows the rules above. These counties add a tax of their own, set a different rate or change who pays, and the calculator applies them when you pick one. Amounts are what the buyer usually pays in transfer and deed taxes on $500,000 with 20% down, plus the owner’s title policy where the buyer usually buys it.

Everywhere else in Oregon

The state’s rules, as above

$0

Washington County

County transfer tax 0.1%
Split between buyer and seller

$250 +$250 vs. elsewhere

Buying in Oregon: questions

What taxes does a buyer pay in Oregon?

None statewide. In Washington County the 0.1% transfer tax is shared as the contract says; there’s no mortgage tax anywhere in Oregon.

Is there a transfer tax in Portland?

Not in most of the city. Most of Portland is in Multnomah County, which has no transfer tax; Washington County, to the west, is the only Oregon county that charges one.

When are property taxes due in Oregon?

Oregon bills in October for the July-to-June year, due in full by November 15 with a discount, or in thirds in November, February and May.

How much are closing costs in Oregon?

On a $500,000 home with 20% down on a conventional loan, the calculator’s estimates put a Oregon buyer’s closing costs at about $12,960, or 2.6% of the price, and cash to close at $112,960. Oregon charges the buyer no state transfer or mortgage tax, though a county or city can. Lender fees, insurance and the rate vary, so put in your lender’s Loan Estimate for a closer number.

Is anything I type saved?

No. The calculator runs in your browser and sends nothing to us. A copied link carries the numbers in the address itself, so only people you share it with can open them.