The lowest HOA of any major community plus a moderate county rate make Summerfield a total-cost standout. Here are the numbers that prove it — and the per-occupant fee nuance the headline hides.
Summerfield's mixed housing (single-family, townhome, condo) spans roughly $300K–$600K. The HOA below is the single-occupant rate; a couple adds about $58/mo.
Townhome or condo product.
Typical single-family.
Larger detached homes.
Summerfield's low, slow-growing HOA is the quiet hero of its ten-year math — there's simply less variable cost to compound. Here's a $450K home over a decade (single occupant).
| $450K Summerfield | Monthly all-in |
|---|---|
| Year 1 | $2,969/mo |
| Year 5 | $3,046/mo |
| Year 10 | $3,160/mo |
| 10-year total carrying cost | $367,140 |
Assumes P&I fixed; property tax and HOA grow ~3%/yr; insurance ~5%/yr. Excludes principal paydown and equity. Illustrative, not a quote.
Compare the ten-year monthly drift here to Summerplace or Claremont: a ~$58/mo HOA growing at 3% adds only a few dollars a year, while a ~$235/mo HOA growing at 3% adds far more in absolute dollars. Low base dues compound slowly. Over a decade, that gap is real money — and it's the strongest argument for Summerfield over its pricier-dues peers.
Oregon caps a home's taxable assessed value at ~3% growth per year, so a long-held home's assessed value often sits well below its $450,000 market price — and resets upward when you buy. Summerfield is an established community, so older homes can carry assessed values well below market — meaning the seller's bill understates yours. Confirm with the Washington County assessor.
On the income side, Summerfield (Washington County, inside Metro) can owe the 1% Metro Supportive Housing tax above $125K single/$200K joint, but not the Multnomah Preschool-for-All tax. The statewide overlay:
| Annual withdrawal (401k / IRA / pension) | Oregon income tax / yr | Monthly equivalent |
|---|---|---|
| $40,000 | $2,386 | $199/mo |
| $60,000 | $4,136 | $345/mo |
| $80,000 | $5,886 | $490/mo |
| $100,000 | $7,636 | $636/mo |
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.
Summerfield's low dues make it a value play. Get matched with a Tigard specialist who can confirm per-occupant fees, product type, and the true ten-year cost on a specific home.
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