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Oregon House Hack Calculator

House hacking means living in one unit and renting the rest. Pre-filled with Oregon median prices, rents, and tax rates. See your effective housing cost after rental income and savings versus renting.

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Property & Financing

Units & Rental Income(Oregon defaults)

Monthly Rental Income$3,224

Operating Expenses(Oregon defaults)

Total Monthly Expenses$872

Rent Comparison

Monthly Savings vs. Renting$889

Oregon Market Context

Avg Cap Rate

4.8%

Median Price

$505K

Property Tax

0.79%

Vacancy Rate

6.7%

Local Factors

  • -Statewide rent control (SB 608) limits annual increases to 7% plus CPI
  • -No sales tax but higher income taxes affect overall cost of living
  • -Portland metro has strong tech employment but faces urban policy challenges

Effective Housing Cost

$839

Good
Monthly Mortgage$3,192
Monthly Expenses$872
Total Monthly Cost$4,063
Rental Income− $3,224
Cost Coverage79.4%
Annual Savings vs. Rent$10,670
Cash on Cash Return-39.9%

Who Covers Your Costs

COVERAGE79%
Rental Income$3,224
Your Cost$839

What does this mean?

Solid house hack. Your effective housing cost is well below typical market rent. You're building equity while keeping monthly costs manageable.

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