Retirement Savings Calculator for Eugene, OR
Updated 2026 · Local data pre-filled
The median household income in Eugene is $58,400. With a cost of living index of 107, your retirement needs will be higher than average. Planners generally recommend saving 10–15% of income; at Eugene's median income that's $7,008–$8,760 per year.
✓ Calculator below is pre-filled with Eugene local data
How Eugene Compares to the National Average
Understanding how Eugene stacks up helps you calibrate your financial planning.
| Metric | Eugene, OR | US Average | Difference |
|---|---|---|---|
| Median Home Price | $420,000 | $420,800 | -0.2% |
| Median Monthly Rent | $1,300 | $1,713 | -24.1% |
| Median Household Income | $58,400 | $74,580 | -21.7% |
| Property Tax Rate | 0.92% | 1.10% | -16.4% |
| Cost of Living Index | 107 | 100 | +7.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Eugene Financial Snapshot
- Population (Metro)
- 390,000
- Unemployment
- 3.8%
- Avg Commute
- 22 min
- Median Age
- 34.7
- Price-to-Rent Ratio
- 26.9x
- Annual Property Tax
- $3,864
Retirement Savings Calculator in Other Oregon Cities
Frequently Asked Questions — Eugene
What is the median home price in Eugene, OR?
The median home price in Eugene is $420,000 as of 2025–2026. This is below the national median of $420,800.
What is the average rent in Eugene?
Median monthly rent in Eugene is $1,300. That works out to $15,600/year, or 27% of the median household income — within the commonly recommended 30% of income guideline.
Is Eugene affordable?
Eugene's cost of living index is 107 vs. the national average of 100. With a median household income of $58,400/year and a median home price of $420,000, the price-to-income ratio is 7.2x. This makes homeownership a significant stretch for the typical Eugene household.
What is the property tax rate in Eugene?
The effective property tax rate in Eugene is 0.92% of assessed value. On the median home of $420,000, that's roughly $3,864/year ($322/month).