Cottage Grove, OR

Below Avg · 88

Oregon · Population 10,630 · Updated March 2026

$1,031
Median Rent / Month
$64,133
Median Income
$318,800
Median Home Value
$1,321
Owner Costs / Month

Affordability

How far your income goes in Cottage Grove

19.3%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Oregon

State-level tax rates that affect your costs

9.9%
Income Tax (Top Rate)
0%
Sales Tax
0.93%
Property Tax Rate

Estimated Annual Costs

$12,372
Annual Rent
$6,349
State Income Tax
$2,965
Property Tax (est.)

Cost of Living Overview

Cottage Grove offers a below-average cost of living, giving residents more purchasing power compared to many US cities. With a cost index of 88 (where 100 equals the national median), Cottage Grove residents can expect to pay median rent of $1,031/month while earning a median household income of $64,133/year.

The median home value in Cottage Grove, OR is $318,800, with typical monthly owner costs around $1,321 including mortgage, insurance, and taxes. The median rent-to-income ratio of 19.3% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Oregon's top income tax rate of 9.9% is among the highest in the nation, adding to the overall cost burden. Combined with a 0% sales tax rate and 0.93% effective property tax rate, the overall tax environment is a factor in the total cost of living in Cottage Grove.

Frequently Asked Questions

Common questions about living costs in Cottage Grove

What is the cost of living in Cottage Grove, OR?
The cost of living index in Cottage Grove, OR is 88 (US average = 100). Median monthly rent is $1,031, median household income is $64,133/year, and the median home value is $318,800.
Is Cottage Grove, OR affordable?
Yes, Cottage Grove is more affordable than the national average with a cost index of 88. The rent-to-income ratio is 19.3%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Cottage Grove, OR?
The median gross rent in Cottage Grove, OR is $1,031 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $12,372.
What is the median household income in Cottage Grove?
The median household income in Cottage Grove, OR is $64,133 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Oregon?
Oregon has a top income tax rate of 9.9%, a sales tax of 0%, and an effective property tax rate of 0.93%.