MonitorBankRates
☰
New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Scotts Mills, OR Housing Affordability Index

Scotts Mills, Oregon has an MBR Housing Affordability Index score of 69.6 (Significantly Less Affordable) as of October 30, 2026, ranking 252nd most affordable of 267 scored Oregon cities, compared with 78.0 statewide and 97.4 nationally. On a median-priced $478,800 home with 20% down, the Oregon average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $2,621, or 47% of the city’s $66,806 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Scotts Mills is updated every night from live Oregon mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Scotts Mills MBR-HAI 69.6 Significantly Less Affordable
Rank in Oregon 252 of 267 1 = most affordable
Oregon 78.0 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.28% Oregon lenders
Median home value $478,800 U.S. Census Bureau

Scotts Mills is 8.4 points below the Oregon score. Scores as of October 30, 2026. See the Oregon index

View Scotts Mills Mortgage Rates

What It Takes to Buy in Scotts Mills

$2,621/mo
Principal & Interest
Median home, 20% down, 7.28%
$112,300
Income Needed
To keep the payment at 28% of income
$66,806
Median Household Income
Oregon: $83,011
7.2x
Price-to-Income Ratio
Oregon: 5.8x
$2,006/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,940/yr
Median Property Tax
0.61% of median value
45.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
40.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Scotts Mills, Oregon. The rate is the Oregon average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Scotts Mills Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Scotts Mills, Oregon score: 69.6 (Significantly Less Affordable), ranked 252 of 267 Oregon cities. monitorbankrates.com/housing-affordability-index/oregon/scotts-mills”