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🏡 Ahorro para Enganche en Oregon — 2026

Oregon (OR) · Impuesto estatal: 9.90% · Impuesto predial: 0.87% · Casa mediana: $490,000

Escrito por Jere Salmisto·Revisado por CalcFi Editorial·Última revisión 2026-04-19·Metodología

¿Buscas la calculadora nacional de Ahorro para Enganche? Ver la Ahorro para Enganche nacional.

Con un valor mediano de vivienda de $490,000 en Oregon, un enganche del 20% sería $98,000 (evita PMI). Un enganche del 10% requiere $49,000, y un enganche FHA del 3.5% necesita $17,150. Usa esta calculadora para planificar tu ahorro según el mercado inmobiliario actual.[1][2]

Datos clave de Oregon (2026)

Impuesto estatal

9.90%

Casa mediana

$490,000

Impuesto predial

0.87%

Costo de vida

104.8

Ingreso mediano del hogar: $89,700 · Pago PITI estimado en casa mediana: $3,088/mes [3]

Usa la ahorro para enganche

Cómo funciona el cálculo

El pago mensual de una hipoteca fija se calcula con la fórmula M = P · r / (1 − (1+r)^(−n)), donde P es el principal del préstamo, r la tasa mensual (anual/12), y n el plazo en meses. En Oregon en 2026, P parte de $490,000 (Zillow ZHVI)[1] menos un enganche típico del 20%.

Sobre P&I se agregan los dos costos específicos de Oregon: impuesto predial a la tasa efectiva estatal de 0.87%[2] y seguro de hogar ($760/año, promedio NAIC)[4]. La tasa de referencia nacional Freddie Mac PMMS (6.30%)[5] mueve la curva del pago.

Cómo se compara Oregon

MétricaOregonProm. EE.UU.CAIDNV
Casa mediana$490,000$425,000$785,000$465,000$465,000
Impuesto predial0.87%1.11%0.76%0.84%0.60%
Impuesto estatal (marginal)9.90%~5%9.30%5.80%Ninguno
Índice costo de vida104.8100.013899109

Última revisión 2026-04-19. Estimaciones 2026. Variaciones por condado y ciudad.[7]

← Ver Ahorro para Enganche (sin filtro de estado)
🇺🇸English version: Ahorro para Enganche for Oregon →

Estados vecinos — Ahorro para Enganche

CaliforniaIdahoNevadaWashington

Ahorro para Enganche — Todos los estados

ALAKAZARCACOCTDEFLGAHIIDILINIAKSKYLAMEMDMAMIMNMSMOMTNENVNHNJNMNYNCNDOHOKORPARISCSDTNTXUTVTVAWAWVWIWYDC

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Preguntas frecuentes

¿Cómo funciona la ahorro para enganche en Oregon?
La ahorro para enganche combina tres inputs: (1) la fórmula de cálculo que corre localmente en tu navegador (sin enviar datos), (2) constantes financieras de Oregon para 2026 — impuesto estatal 9.90%, impuesto predial 0.87%, casa mediana $490,000 — y (3) promedios nacionales para comparación. Todos los números provienen de datasets públicos primarios citados al final de esta página.

Datos financieros de Oregon (2026)

Impuesto estatal
9.90%
Impuesto predial (efectivo)
0.87%
Valor mediano de vivienda
$490,000
Seguro de hogar (promedio)
$760/año
Índice costo de vida (RPP)
104.8
Abreviatura
OR
Metodología — cómo calculamos estos números

Las páginas pSEO de CalcFi combinan tres inputs: (1) la fórmula de la calculadora, que corre del lado del cliente (ningún dato sale de tu navegador); (2) constantes financieras a nivel de estado de datasets públicos primarios; y (3) benchmarks nacionales para comparación. La página de Oregon usa el impuesto predial (0.87%), el precio mediano de vivienda ($490,000), y el 9.90% de impuesto estatal de las fuentes listadas más abajo.

Frecuencia de actualización: los tramos de impuesto estatal y salario mínimo se revisan anualmente tras cada sesión legislativa. Impuesto predial, precio mediano de vivienda, seguro, y cifras de costo de vida se revisan anualmente contra fuentes primarias. El dateModified de la página coincide con la fecha más reciente de revisión editorial mostrada arriba.

Limitaciones conocidas: los promedios estatales ocultan gran varianza intra-estado — el impuesto predial a nivel de condado y los precios de vivienda metropolitanos difieren significativamente de las cifras mostradas. Para cálculos más precisos, cruza la salida con el tasador de tu condado y las tablas de impuestos federales/estatales vigentes al momento de presentar tu declaración.

Sources

Every number on this page cites a primary public dataset. Last reviewed 2026-04-19 (auto-bumped on the next ISR refresh after an ETL run).

  1. Zillow Research — ZHVI (Zillow Home Value Index) + ZORI (Zillow Observed Rent Index) — www.zillow.com/research/data. Retrieved 2026-04-19.
  2. FDIC — National Deposit Rates (savings, checking, CD) — www.fdic.gov/resources/bankers/national-rates. Retrieved 2026-04-19.
  3. Freddie Mac Primary Mortgage Market Survey (PMMS) — weekly national mortgage rates — www.freddiemac.com/pmms. Retrieved 2026-04-19.
  4. Tax Foundation — Property Taxes Paid as % of Owner-Occupied Housing Value; State Tax Rates and Brackets; Estate/Inheritance; Social Security Taxation — taxfoundation.org/data/all/state. Retrieved 2026-04-19.
  5. NAIC Dwelling Fire, Homeowners Owners, and Homeowners Tenants Insurance Report — content.naic.org/article/homeowners-insurance-report. Retrieved 2026-04-19.
  6. U.S. Census Bureau — American Community Survey (ACS) 5-year estimates — www.census.gov/programs-surveys/acs. Retrieved 2026-04-19.
  7. State Departments of Revenue — official bracket + deduction publications (one primary URL per state; linked in the brackets table below) — taxfoundation.org/data/all/state/state-income-tax-rates. Retrieved 2026-04-19.
  8. Bureau of Economic Analysis — Regional Price Parities by State — www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area. Retrieved 2026-04-19.
  9. U.S. Department of Labor — State Minimum Wage Laws — www.dol.gov/agencies/whd/minimum-wage/state. Retrieved 2026-04-19.
  10. FRED (Federal Reserve Economic Data) — real median household income, unemployment, HPI, LFPR per state — fred.stlouisfed.org. Retrieved 2026-04-19.
  11. BLS Occupational Employment and Wage Statistics (OEWS) — state-level occupational wages — www.bls.gov/oes. Retrieved 2026-04-19.

CalcFi does not sell data. If you spot an error, email [email protected] with the URL and the correct figure.

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  • Calculadora de Hipoteca
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Down Payment Savings Calculator — When Can You Buy a Home?

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Down Payment Savings Calculator — When Can You Buy a Home?

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20%
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4.5%
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Assumptions· 2026

  • ·Monthly savings needed to reach down payment goal by entered target date
  • ·PMI avoidance threshold: 20% down eliminates PMI on conventional loans
  • ·2026 conforming limit: $806,500; key thresholds at 3%, 5%, 10%, 20% displayed
  • ·HYSA or money market growth on accumulating down payment modeled at entered APY
When this is wrong
  • ·First-time homebuyer DPA programs: state HFA grants/loans often available ($5k–$50k)
  • ·FHA (3.5% down), VA (0% down), USDA (0% down) alternative paths with lower requirements
  • ·Gift fund rules: up to 100% of down payment can be gift on certain loan types
  • ·Home price appreciation while saving: target price may rise faster than savings accumulate
Assumptions· 2026▾
  • ·Monthly savings needed to reach down payment goal by entered target date
  • ·PMI avoidance threshold: 20% down eliminates PMI on conventional loans
  • ·2026 conforming limit: $806,500; key thresholds at 3%, 5%, 10%, 20% displayed
  • ·HYSA or money market growth on accumulating down payment modeled at entered APY
When this is wrong
  • ·First-time homebuyer DPA programs: state HFA grants/loans often available ($5k–$50k)
  • ·FHA (3.5% down), VA (0% down), USDA (0% down) alternative paths with lower requirements
  • ·Gift fund rules: up to 100% of down payment can be gift on certain loan types
  • ·Home price appreciation while saving: target price may rise faster than savings accumulate

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Months to Down Payment Goal
67 monthspositivepositive trend
Down Payment Target
$90,000
Current Gap
$75,000
Interest Earned
$1,007

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Published byJere Salmisto· Founder, CalcFiReviewed byCalcFi EditorialEditorial standardsMethodologyLast verified April 21, 2026

Primary sources & authoritative references

Every formula on this page traces to a federal agency, central bank, or peer-reviewed institution. We cite the rule-makers, not secondhand blogs.

  • HUD — FHA loan minimum down payment (3.5%) — U.S. Department of Housing and Urban DevelopmentFHA minimum 3.5% down payment with 580+ FICO requirement. (opens in new tab)
  • Fannie Mae — HomeReady Mortgage: 3% down payment program — Fannie MaeConventional 3% down option for low-to-moderate-income buyers. (opens in new tab)
  • FRED — 30-Year Fixed Rate Mortgage Average in the United States — Federal Reserve Bank of St. LouisRate used to calculate monthly savings needed to reach down payment. (opens in new tab)

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