Total Cost Comparison: Every Community, Side by Side

All-In Monthly Cost by Community

Each figure is principal & interest (20% down, 7.25% 30-year fixed) plus HOA, county property tax, and estimated insurance, at a representative price for that community. These are illustrative carrying costs, not quotes — your actual price, rate, assessed value, and dues will differ.

The Methodology (So You Can Trust the Numbers)

• Principal & interest: 20% down payment, 7.25% 30-year fixed. P&I = 80% of price × a standard amortization factor.
• Property tax: the county's effective rate applied to the representative purchase price, divided by 12. This is conservative — a long-held home's Measure 50 assessed value may produce a lower bill, but it resets toward market at purchase.
• HOA: the community's typical monthly dues (Summerfield shown at the single-occupant rate).
• Insurance: estimated homeowner's premium scaled to home value.

What Drives the 10-Year Picture

Over a decade, P&I stays fixed but the variable costs creep: property tax rises with the Measure 50 cap (~3%/yr), HOA dues drift up (~3%/yr typical), and insurance has been climbing faster (~5%/yr lately). The communities with the lowest base dues — Summerfield and Woodburn — compound the slowest and stay cheapest over time. High-dues communities see the largest absolute increases. Low base costs are the real long-term advantage.

The Cost the Table Doesn't Show: Oregon Income Tax

Housing is only half of it. Oregon taxes retirement withdrawals at 4.75%–9.9% (Social Security and Roth are exempt). For a couple, that can add the equivalent of hundreds of dollars a month — and in Multnomah County, local surtaxes add more for high earners. Always model housing and income tax together.

Married filing jointly, 2025 standard deduction applied; the $8,500 federal tax subtraction is not modeled and would reduce these figures. Social Security and qualified Roth withdrawals are exempt. In Multnomah County, add local surtaxes above $125K single / $200K joint.

Land-Lease Communities Are a Different Calculation

Meadowlark, Terra Buena, and Sundial aren't in the table above because their cost works differently: you own the home but lease the land. The dominant cost is monthly space rent (which you must verify with each community), not a mortgage and property tax. Home prices are far lower, but you don't build land equity, financing is harder (chattel loans, not mortgages), and appreciation is limited. They're the affordability floor of the market — just on a model that doesn't compare apples-to-apples with owned real property.