The state of Oregon outlined with the state flag overlaid on top of it


VA Loans in Oregon

The VA Loan is one of the most powerful tools available exclusively for military families and veterans. In Oregon, veterans and active-duty military have been taking advantage of the benefits of the VA Loan in cities such as Portland, Salem, Eugene, Hillsboro, and Bend.

The cost of homes across the United States has been steadily increasing in recent years. With a $0 down payment requirement, no PMI, lower interest rates, and a more relaxed credit score requirement, the VA Loan is making home ownership a reality for more military families and veterans in Oregon now than ever before.

Median Sale Price of Homes in Oregon*











Oregon Statewide Average


*Data pulled from Redfin (April 2022)


Property Taxes in Oregon

In the state of Oregon, property taxes are below the national average of 1.07% and are currently set at 0.90%, according to SmartAsset. Property tax statements are sent to all homeowners by October 25th and are able to be paid three different ways in Oregon.

The first option is you can choose to pay them in full by November 15th and receive a 3% discount. The second option is you can pay ⅔ by November 15th and receive a 2% discount. The final option is to pay in three equal installments, and this option receives no discounts. These are assessed for the July 1 through June 30 fiscal year. There are several exemption options including significant savings for senior citizens and disabled people.

VA Disability in Oregon

Common property tax exemptions are reserved for veterans, disabled veterans, seniors over the age of 65, and more. Since these exemptions can vary by county and state and often have strict qualification standards, not every veteran or homeowner qualifies, but those that do are able to reap the benefits of significant savings.

Disabled veterans in Oregon that have a 40%+ service-connected disability and some surviving spouses can get a property tax exemption on their primary residence. Exemption amounts vary depending on income and increase each year by 3%. Since these rates can vary based on location (i.e., exemptions in Portland may be different from those in Eugene or Bend), you’ll want to contact your local municipal tax assessor’s office.

Insurance Programs in Oregon

Natural disasters can happen anytime and are often unexpected or occur suddenly which makes it critical that you and your family are sufficiently covered. The most common natural disasters in Oregon that homeowners are insured against include earthquakes, floods, and wildfires.

Since the topography of Oregon varies drastically from the coast to the mountains, the type of coverage you may want to have in Portland will be different from Bend. The best way to ensure you’re getting the best coverage for your location; we recommend you consult with a licensed insurance company.

Military Presence in Oregon

Oregon is home to eleven military bases with the majority of them located near the coastline. Since Oregon borders the Pacific ocean and has many rivers, there are a lot of Coast Guard facilities and the state is home to thousands of veterans.

VA Home Loan Volume in 2021 in Oregon*

Total Loans


Average Loan Amount


Total Loan Amount (ALL)


Total Purchase Loans


Total Purchase Loans %


Total IRRRL Loans


Total IRRRL Loans %


Total Cash-Out Loans


Total Cash-Out Loans %


*Data pulled from the Department of Veterans Affairs (April 2022)

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FAQ’s about VA Loans in Oregon

How do I buy a house in Oregon? The best way to get started is to give us a call or fill out this form to get started!

How do I find more information about property taxes and exemptions for veterans in Oregon? Click here to read more details regarding major property tax exemptions in every state.

What are the average interest rates in Oregon? Interest rates for VA Loans are often lower than the national average rates for conventional loans. Click here to learn more about interest rates.