Oregon Rent Calculator

Pri Geens

Pri Geens

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Oregon Rent Calculator

Oregon taxes wages on a graduated 4.75 to 9.9 percent schedule with no local wage tax, sets no cap on the security deposit but requires a 31-day return, and is the first state with statewide rent control (SB 608 caps increases at 7 percent plus CPI, max 10 percent, with 90-day notice and just-cause protection). This calculator sizes the rent that income supports against both the 30 percent standard and the income ratio your landlord publishes, prices the cash you need at signing, and benchmarks your rent against the HUD Fair Market Rent for your county.

What Do You Want To Calculate?

The second and third modes require a target monthly rent. The third solves for annual salary.

Location and Unit

Select the county where you will rent.
Selects the HUD FY 2025 Fair Market Rent for your county.
Select a county to load its HUD Fair Market Rent schedule and the income a published screening ratio would require at that benchmark.

Household Income

Wages before tax from every household earner. Oregon taxes on a graduated 4.75 to 9.9 percent schedule with no local wage tax. Enter your annual gross household salary.
Child support, pension, Social Security or a side income. Enter 0 or more.
401(k), 403(b), 457 or traditional IRA. Reduces federal and Oregon taxable income but not FICA wages. Enter 0 or more.
Oregon standard deduction 2025: about $2,835 single, $5,670 married, $4,255 head.
Drives the $2,000 federal child tax credit for the first three dependents. Enter 0 to 10.
Base rent of the listing, before utilities and fees. Enter a target monthly rent greater than 0.
Oregon sets no statutory income ratio, so the figure in the landlord’s written screening criteria governs.

Monthly Money Commitments

Minimum credit card payments, auto loans, student loans and support obligations. Counted in the debt-to-income ratio. Enter 0 or more.
Enter 0 or more.
Groceries, fuel, insurance, phone, internet, childcare and health costs. Leaving this at zero overstates the rent you can carry. Enter 0 or more.

Housing Add-Ons

HUD publishes Fair Market Rent as a gross rent, so this figure is added back for that comparison. Enter 0 or more.
Enter 0 or more.
Enter 0 or more.
Enter 0 or more.

Cash Required At Signing

ORS 90.300 sets no statutory cap on the security deposit; the lease sets the amount.
ORS 90.300 also governs prepaid rent; it must be accounted for on the same 31-day timeline.
ORS 90.303 limits screening fees to the actual cost of the screening; unused portions must be refunded. Enter 0 or more.
Movers or truck, deposits to activate utilities, locks and basic supplies. Enter 0 or more.

Lease Term, Renewal and Rent Cap

SB 608 requires at least 90 days written notice for any rent increase; just cause is required after the first year.
Capped by SB 608 at 7 percent plus CPI, hard-capped at 10 percent (2025 max 9.9 percent). Enter 0 to 50.
SB 608 cap = min(10 percent, 7 percent + CPI). With CPI 2.9 the 2025 cap is 9.9 percent. Enter 0 to 25.
Oregon rules this calculator enforces: ORS 90.300 sets no statutory cap on the security deposit but requires return (or an itemized written accounting) within 31 days after the tenancy terminates and possession is delivered, with twice the wrongfully withheld amount as penalty. SB 608 (ORS 90.220 / 90.600) caps annual rent increases at 7 percent plus regional CPI hard-capped at 10 percent (2025 published maximum 9.9 percent), requires at least 90 days written notice of any increase, and bans no-cause evictions after a tenant’s first year (just cause required). ORS 90.303 limits screening fees to actual cost.

Understanding Rent Affordability in Oregon

Oregon pairs a high graduated income tax (top 9.9 percent) with some of the nation’s strongest tenant protections (SB 608 statewide rent cap and just cause), so renewal increases are capped but upfront affordability is still driven by income and screening ratios.
  • Oregon taxes taxable income on a graduated schedule from 4.75 percent to 9.9 percent for 2025, with a standard deduction of about $2,835 single, $5,670 married and $4,255 head. There is no local wage income tax (the Portland arts tax and TriMet payroll tax are small separate levies).
  • The 30 percent affordability standard requires annual income equal to 40 times the monthly rent, while the 3 times monthly ratio many Oregon landlords publish requires only 36 times. Test case 4 shows the solver returning the income at which the 30 percent rule binds at the Salem-area Fair Market Rent.
  • ORS 90.300 sets no cap on the security deposit but requires return (or an itemized accounting) within 31 days after the tenancy terminates and possession is delivered, with twice the wrongfully withheld amount as penalty.
  • SB 608 caps annual rent increases at 7 percent plus regional CPI, hard-capped at 10 percent (2025 published maximum 9.9 percent), requires at least 90 days written notice of any increase, and bans no-cause evictions after the first year (just cause required).
  • ORS 90.303 limits screening / application fees to the actual cost of the screening.
  • Oregon’s FY 2025 two-bedroom Fair Market Rent ranges from $933 in the non-metropolitan east to $1,997 in Portland-Vancouver-Hillsboro, with Bend at $1,667, Corvallis at $1,643, Salem at $1,543, Eugene at $1,495 and Medford at $1,456, against a $1,267 statewide average.

Sources, Methodology and Verification

Data Years

  • HUD Fair Market Rents: federal fiscal year 2025, Oregon HUD metro FMR areas and non-metropolitan counties.
  • Federal and Oregon income tax figures: tax year 2025 (Oregon graduated 4.75 to 9.9 percent; standard deduction about $2,835 / $5,670 / $4,255).
  • Housing statutes: Oregon Revised Statutes Chapter 90 (SB 608 rent stabilization and just cause) as current through 2026.

Primary Sources

  • ORS 90.300 (no deposit cap; 31-day return or itemized accounting; twice-withheld penalty).
  • ORS 90.220 / 90.600 and SB 608 (statewide rent cap 7 percent + CPI max 10 percent; 90-day notice; just cause after first year).
  • ORS 90.303 (screening fees limited to actual cost).
  • Oregon Department of Revenue 2025 individual income tax rate schedules and standard deduction.
  • U.S. Department of Housing and Urban Development, FY 2025 Fair Market Rents for Oregon, huduser.gov.
  • Internal Revenue Service Publication 15 and Publication 15-T for 2025.

Methodology Notes

  • Recommended maximum rent is the lowest of the 30 percent gross rule, the after-tax budget rule and the debt-to-income rule. The screening ratio ceiling is reported separately as an approval test.
  • The take-home engine applies federal income tax on wages minus pre-tax retirement contributions minus the federal standard deduction, less $2,000 per dependent for the first three, then FICA, then Oregon income tax on a graduated 4.75 to 9.9 percent schedule on wages minus pre-tax contributions minus the Oregon standard deduction. Oregon adds no local wage tax.
  • Because Oregon sets no cap on the deposit, deposit requests pass through unchanged and the deposit badge reports no statutory cap.
  • The three-year renewal projection caps each annual increase at the SB 608 cap (min(10 percent, 7 percent + CPI)) using the user-entered CPI when the unit is SB 608-covered.
  • Required-income mode uses a guarded bisection solver with 60 bound expansions and 90 iterations, rounded up to the next whole dollar, evaluated against the recommended affordability figure rather than a fixed multiple.
  • Fair Market Rent comparisons add tenant-paid utilities to base rent because HUD publishes FMR as a gross rent.
  • Not modeled: the Portland arts education tax and TriMet payroll tax (small flat/payroll levies), and SB 608 exemptions for units under 15 years old or certain first-time-homeowner exemptions.

Verification Test Cases

TC1 – Multnomah County (Portland-Vancouver-Hillsboro), 1 bedroom, single, $70,000 with $4,000 pre-tax, $350 debts, $400 savings, $1,300 other living, $150 utilities, $18 insurance, $40 screening fee, one-month deposit, $600 moving, 3x ratio, affordability modeFederal tax $5,881.50, Social Security $4,340.00, Medicare $1,015.00, OR tax $5,236.94 on $63,165 of taxable income, net annual $57,667.06 and net monthly $4,805.58. Rules: 30 percent $1,750.00, 3x ceiling $1,944.44, DTI $2,010.33, budget $2,907.58. Recommended $1,750.00 with the 30 percent rule binding. Total housing $1,918.00 is 32.88 percent of gross and 39.91 percent of net, cost-burdened. Cash at signing $3,890.00. Portland 1 bedroom FMR $1,750.00, gross rent $1,900.00 exceeds FMR by $150.00.
TC2 – Lane County (Eugene-Springfield), 2 bedroom, married filing jointly, $90,000 with 2 dependents and $5,000 pre-tax, target rent $1,495 equal to the area Fair Market Rent, two adults at $40 eachFederal tax $3,014.00 after the $4,000 child tax credit, Social Security $5,270.00, Medicare $1,232.50, OR tax $6,361.38 on $79,330 of taxable income, net annual $73,183.11 and net monthly $6,098.59. The target passes the 3x ceiling of $2,500.00, the 30 percent test at 22.07 percent of gross, DTI at 28.07 percent and the budget test with $3,348.59 discretionary. Cash at signing $3,740.00.
TC3 – Deschutes County (Bend-Redmond), 2 bedroom, single, $60,000 with $2,000 pre-tax, target rent $1,667 equal to the area Fair Market RentThe target clears the 3x screen ($59,904.00 required, barely) yet consumes 36.46 percent of gross and 45.92 percent of net pay and pushes DTI to 43.06 percent, leaving $149.25 discretionary. Verdict approvable but cost-burdened. Cash at signing $3,812.00.
TC4 – Marion County (Salem), 1 bedroom, single, target rent $1,198 equal to the area Fair Market Rent, 3x ratio, $200 debts, $250 savings, $900 other living, $130 utilities, $15 insurance, income modeSolved required annual salary $47,920.00, which makes the 30 percent rule bind at exactly $1,198.00. At that salary federal tax is $3,711.90, Social Security $2,971.04, Medicare $694.84, OR tax $3,654.94 on $45,085 of taxable income, and net monthly $2,796.31. Total housing is $1,343.00 or 33.63 percent of gross, DTI is 38.64 percent and cash at signing is $3,183.00.
TC5 – Multnomah County (Portland-Vancouver-Hillsboro), studio, head of household, $80,000 with 1 dependent and $4,000 pre-tax, target rent $1,628 equal to the area studio Fair Market Rent, landlord requesting a two-month depositBecause ORS 90.300 sets no cap on the deposit, the two-month deposit of $3,256.00 passes through unchanged, bringing cash at signing to $5,424.00. Federal tax $4,684.00 after the $2,000 child tax credit, Social Security $4,960.00, Medicare $1,160.00, OR tax $5,987.69 on $71,745 of taxable income, net annual $65,881.31 and net monthly $5,490.11. The target is affordable at 26.94 percent of gross and 29.07 percent of net, DTI 29.97 percent, with $2,858.11 discretionary.
Estimates only. Based on HUD fiscal year 2025 Fair Market Rents, tax year 2025 federal and Oregon rates, and the Oregon Revised Statutes (SB 608) as current through 2026. Not legal, tax, or financial advice.

What Is the Oregon Rent Calculator?

The Oregon Rent Calculator is a rent affordability and budgeting tool with three calculation modes. It can estimate your recommended maximum base rent, test whether a specific rent is affordable and likely to pass the selected income screen, or solve for the annual salary needed to support a target rent. It also estimates take-home pay using its tax year 2025 federal and Oregon tax settings.

The Oregon rent calculator compares rent against a 30 percent gross-income rule, an after-tax monthly budget, and a selected debt-to-income ceiling. The lowest of those three limits becomes the recommended maximum base rent. A landlord-style income multiple is calculated separately as an approval test rather than being used to set the recommendation.

Additional outputs include total housing cost, income requirements, cash required at signing, HUD FY 2025 Fair Market Rent, housing-cost percentages, Oregon legal benchmarks, and a three-year renewal projection.

How the Oregon Rent Calculator Formula Works

The calculator creates three base-rent limits and uses the smallest one as its recommended maximum. The main calculation is:

Rmax=max⁡(0,min⁡(0.30G,N−D−S−L−A,dG−D−A))R_{max}=\max\left(0,\min\left(0.30G,\;N-D-S-L-A,\;dG-D-A\right)\right)

Rmax is the recommended maximum base rent. G is gross monthly household income from salary plus other monthly income. N is estimated monthly take-home pay from salary. D is debt payments, S is the savings target, L is other living expenses, A is housing add-ons, and d is the selected DTI ceiling.

Rscreen=GqR_{screen}=\frac{G}{q}

The separate screening ceiling divides gross monthly income by the selected landlord ratio q. Available ratios are 2.5, 3, 3.5, and 4 times monthly rent. For a target rent, the calculator also reports screening income as 12qR and 30 percent-rule income as 40R.

For example, enter a $70,000 salary, single filing status, no dependents, and $4,000 of pre-tax retirement contributions. Add $350 of monthly debt, $400 of savings, $1,300 of living expenses, $150 of utilities, and $18 of renters insurance. Use the 43 percent DTI ceiling and 3 times screening ratio.

The executable tax logic produces $6,134.00 of federal income tax, $4,340.00 of Social Security, $1,015.00 of Medicare, and $5,236.94 of Oregon income tax. Estimated annual take-home pay is $49,274.06, or $4,106.17 per month. The 30 percent rent limit is $1,750.00. The DTI limit is $1,990.33, and the after-tax budget limit is $1,888.17. The calculator therefore recommends $1,750.00 of base rent.

How to Use the Oregon Rent Calculator: Step by Step

  1. Choose a calculator mode. Select maximum rent supported by income, affordability and approval for a specific rent, or income required for a target rent.
  2. Select the Oregon county or area available in the tool and choose a studio through four-bedroom unit. This loads the matching HUD FY 2025 Fair Market Rent.
  3. Enter annual gross household salary, other monthly household income, pre-tax retirement contributions, filing status, and dependents. Qualification and income modes also require a target base rent.
  4. Select the landlord’s income ratio. Then enter monthly debt payments, your savings target, other living expenses, and a 36, 43, or 50 percent DTI ceiling.
  5. Enter utilities you pay, renters insurance, pet rent, and parking or storage. Check the utilities-included box if the utility amount should be treated as zero.
  6. Choose the security deposit and prepaid-rent amounts. Enter the application or screening fee and moving costs.
  7. Set the lease type, expected annual renewal increase, regional CPI, and whether the unit is treated as covered by the SB 608 cap.
  8. Check the acknowledgment box and calculate. Required-income mode still requires a nonnegative value in the salary field before the button is enabled, although the solver replaces that salary when calculating the result.

The main result is either recommended base rent, a verdict on the target rent, or required annual salary. Review the supporting results as well. Housing add-ons can make total monthly housing cost higher than the recommended base rent, and the screening ceiling is separate from the calculator’s affordability recommendation.

How to Read Your Oregon Rent Calculator Result

Affordability and landlord approval are different

The recommended maximum comes from the lowest of the 30 percent rule, after-tax budget, and DTI limit. The selected landlord income ratio does not set that recommendation. It creates a separate screening ceiling and shows the annual income needed to meet that screening rule.

ResultCalculation used by the codePurpose
30 percent rule30 percent of gross monthly household incomeGross-income rent benchmark
After-tax budgetTake-home pay minus debts, savings, living expenses, and housing add-onsMonthly cash-flow limit
DTI limitSelected DTI share of gross income minus debts and housing add-onsDebt-sensitive rent limit
Screening ceilingGross monthly income divided by selected screening ratioSeparate landlord-style income test

Other income affects gross income but not estimated take-home pay

The code annualizes other monthly household income and adds it to gross household income. That increases the 30 percent, DTI, and screening calculations. However, other income is not added to the take-home-pay calculation. The after-tax budget test therefore uses only net pay estimated from the salary input.

Housing add-ons can push total cost above 30 percent

The 30 percent rule applies to base rent. Utilities, renters insurance, pet rent, and parking are added afterward for total housing cost. The calculator classifies total housing at 30 percent or more of gross income as cost-burdened and above 50 percent as severely cost-burdened.

The renewal projection can apply the SB 608 cap

For a unit marked as SB 608-covered, the calculator limits the entered annual increase to 7 percent plus the entered CPI, with a maximum of 10 percent. With the default 2.9 percent CPI, the calculated cap is 9.9 percent. If the SB 608 box is unchecked, the entered increase is used without that cap.

e=min⁡(i,min⁡(0.10,0.07+CPI))e=\min\left(i,\min\left(0.10,0.07+CPI\right)\right)

The projection sets Year 1 to the current base rent, Year 2 to rent multiplied by one plus the effective increase, and Year 3 to the compounded amount. Total three-year rent equals 12 times the sum of those three monthly figures.

Know the calculator’s practical limitations

The application field is labeled as a screening fee per adult, but the interface has no adult-count field. The current code therefore defaults the calculation to one adult. Lease type is also collected, but it does not change the numerical renewal projection. The calculator’s legal and tax outputs use the fixed assumptions coded into the tool and should be treated as estimates, not legal, tax, or financial advice.

Frequently Asked Questions

How much rent can I afford in Oregon?

The calculator estimates affordable base rent by comparing three limits: 30 percent of gross household income, an after-tax monthly budget, and your selected debt-to-income ceiling. It uses the lowest result as the recommended maximum. Utilities, insurance, pet rent, and parking are then added to show total monthly housing cost.

What income do I need for 3 times the rent in Oregon?

With the 3 times monthly rent screening option, required annual income equals monthly base rent multiplied by 36. A $1,500 rent therefore creates a $54,000 annual screening requirement. The calculator also reports a separate 30 percent benchmark, which requires annual income equal to 40 times the monthly base rent.

Does the Oregon rent calculator include Oregon income tax?

Yes. The take-home calculation uses the tool’s 2025 Oregon tax brackets of 4.75, 6.75, 8.75, and 9.9 percent with filing-status standard deductions. It also applies the coded federal income-tax brackets, Social Security, Medicare, Additional Medicare, and federal child tax credit assumptions. Separate Portland and TriMet levies are not modeled.

Does the calculator include utilities in rent affordability?

Yes. Tenant-paid utilities are combined with renters insurance, pet rent, and parking or storage as housing add-ons. These amounts reduce the after-tax budget and DTI rent limits. For the HUD comparison, only tenant-paid utilities are added to base rent. Checking the utilities-included box makes the utility amount zero in the calculation.

How does the required income calculator work?

Required-income mode searches for the annual salary at which the recommended maximum rent reaches your target rent. The code uses a bisection solver rather than a simple fixed income multiple. It allows up to 60 upper-bound expansions and 90 search iterations, then rounds the required salary upward to the next whole dollar.

How does the Oregon rent increase calculation work?

For a unit marked as covered by SB 608, the calculator first finds a cap equal to 7 percent plus the entered regional CPI, limited to 10 percent. It then uses the lower of that cap and your expected renewal increase. Exempt units use the entered increase without the SB 608 calculation.

How accurate is the Oregon rent calculator?

The calculator follows the formulas, tax settings, Fair Market Rent tables, limits, and legal assumptions programmed into its code, but its outputs are estimates. Actual taxes, rental screening, application costs, deposits, utility bills, landlord policies, exemptions, and legal requirements may differ. Results also depend heavily on the income and expense amounts you enter.

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