Oregon City, OR · Updated Oct 2026

What a Oregon City house pays

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Sent only to free public map services to find who serves it. Not stored unless you save your house.

Example · a Oregon City house

$12,199a year · $1,017 a month

Starts at $282,517 of value before exemptions. Typical use.

A typical Oregon City house pays about $12,200 a year: $5,660 property tax and charges, $2,040 water and sewer, $480 trash, $3,130 electricity and gas, $890 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 22, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

Nothing here applies to every house automatically. These are worth checking:

Switch to the 20-gallon cart (weekly) cartUp to $136 a year
Your cart costs $40 a month; the smallest costs $29. Worth it if you rarely fill it.
How: Contact Oregon City Garbage Company's office at (503) 656-8403 to change your garbage service.
Pay the property tax in full by the November due date3% off
Paying the full year by the due date takes 3% off; paying two-thirds takes 2% off; paying one-third gets no discount. The due date is November 15, moved to the next business day when it falls on a weekend or legal holiday; for 2026, payments are due November 16.
How: Pay Clackamas County online, by mail (postmarked on or before the due date) or in person at 150 Beavercreek Road, Oregon City, where a payment drop box is at the front of the building.
Seniors 62+ and disabled homeowners: property tax deferral
The State of Oregon can pay your county property taxes; deferral accounts accrue 6% interest yearly. For 2026, household income during 2025 cannot exceed $70,000, net worth is limited to $500,000, and you must have owned and lived in the home for the last five full years.
How: File the application with the Clackamas County Assessor by April 15, or late from April 16 to December 1 with a fee.
Disabled veterans and surviving spouses: property tax exemption$27,092 or $32,512 off assessed value
For 2026 the basic exemption for a disabled veteran or the surviving spouse of a veteran is $27,092 of assessed value; the exemption for a service-connected disability is $32,512. Veterans must be certified 40% or more disabled; surviving spouses must not have remarried. Once qualified, you do not need to renew each year.
How: File the application with the Clackamas County Assessor by April 1; call 503-655-8671 for help.
Low-income households: reduced City utility rates
The City of Oregon City offers reduced utility rates to senior, disabled and low-income customers who meet the income limits; for 2026 a four-person household can earn up to $73,817 a year in gross income. Reduced rates do not cover excess usage from outside and summer watering.
How: Mail the City's 2026 Reduced Utility Rate Application with income documents to Utility Customer Service, PO Box 3040, Oregon City, OR 97045; questions to (503) 657-8151.
PGE Income-Qualified Bill Discount15% to 80% off
Based on household size and income, PGE customers could get 15% to 80% off. No financial documents are required.
How: Apply with PGE or call 503-228-6322.
NW Natural bill discount15% to 85% off
In Oregon, households with income below 60% of the state median income can get 15% to 85% off their monthly gas bills. No proof of income is required to apply.
How: Apply online with NW Natural or call 503-226-4211 or 800-422-4012.

Adjust to match your bills

What you knowTrash cartWeekly curbside garbage inside Oregon City limits; each cart price includes weekly recycling and yard debris service.

Value before exemptionsOregon taxes the assessed value on your statement, which is usually well below what the house would sell for. Enter the assessed value from your tax statement.

Home insurance, a yearFrom your policy. We start at $886, Oregon statewide average for 2023, NAIC data in the Oregon Insurance Commissioner's January 2025 legislative briefing.

Earthquake insurance, a yearSeparate from home insurance. Most owners don't have it.

Your use

Water, units a month

On your water bill. 1 unit (CCF) is 748 gallons. A typical house uses 7–12.

Electricity, kWh a month

On your Portland General Electric (PGE) bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 16, 2026in 24 daysProperty tax payments due (the November 15 due date moves to the next business day when it falls on a weekend or legal holiday); paying in full by the due date takes 3% off
Dec 31in 69 daysDeadline to file a Property Value Appeal Board (PVAB) appeal (the first working day in January if December 31 falls on a weekend); the Clackamas County Clerk handles filing
Feb 15in 115 daysSecond one-third property tax installment due (next business day if it falls on a weekend or legal holiday)
Apr 1Disabled veteran / surviving spouse exemption applications due to the Assessor

Who serves this house

Water: City of Oregon City; City of Oregon City, monthly bills: single-family homes pay a $20.35 water distribution base rate plus $2.2517 per CCF for distribution and $1.7730 per CCF for water treatment (South Fork Water Board), effective July 1, 2026
Property tax: 2.00% of value; 2025-26 tax year, Clackamas County code area 062-002 (City of Oregon City, Oregon City School District)
Garbage: Oregon City Garbage Company; Weekly cart service, including recycling and yard debris, under a City franchise
Sewer: City of Oregon City; Flat monthly wastewater collection and treatment charges on the City utility bill
Electricity: Portland General Electric (PGE); Schedule 7 residential service
Gas: NW Natural; Rate Schedule 2, single-family residential
Schools: Oregon City School District; The school district on Clackamas County code area 062-002 (City of Oregon City)

Pay or manage your bills

Your water

Source: Clackamas River water, treated at the South Fork Water Board plant; the City buys the treated water and distributes it
Hardness: 24.0 ppm, sampled February 11, 2025
Lead: Oregon City has no lead service lines; the summer 2024 lead 90th percentile was 1.84 ppb (action level 15 ppb), with no sites above the action level
PFAS: No PFAS compounds were detected in samples taken in 2024 and 2025

How these numbers are made

Property tax: the 2025-26 Clackamas County billing rates for code area 062-002 (City of Oregon City, Oregon City School District, Clackamas Fire District 1, Metro), $20.0347 per $1,000 of assessed value, because the 2026-27 code area rate table was not yet posted; the county expects the typical Oregon City School District bill in Oregon City and nearby rural areas to rise 2.86% for 2026-27. Code area 062-002 holds 10,329 of the 10,849 single-family tax lots inside Oregon City in Metro's RLIS taxlot data; a few hundred homes sit in other code areas with slightly different rates. Oregon has no homestead exemption, and no flat charges are added.
The starting assessed value ($282,517) is the median assessed value of the single-family tax lots in code area 062-002 in Metro's RLIS taxlot data (last updated July 17, 2026, so it reflects the 2025 roll). The median real market value of the same lots in that data is about $541,000. Your statement's assessed value is the number to use. Measure 5 compression is not modeled: at these rates it would only apply if a home's assessed value were above about 86% of its real market value.
City of Oregon City utility bill from July 1, 2026 (single-family, monthly): water distribution $20.35 base plus $2.2517 per CCF and South Fork Water Board water treatment $1.7730 per CCF (priced together at $4.0247 per CCF), wastewater collection $39.63 plus WES wastewater treatment $34.25 (shown together as sewer), stormwater $15.95, pavement maintenance $16.97 and the temporary public safety facility fee $6.50. The page starts at 9 CCF because the City publishes no typical household use. A few annexed areas were historically inside Clackamas River Water's territory; the City says those are City water customers.
Garbage: Oregon City Garbage Company's weekly cart rates from July 1, 2026 (Resolution 26-16), which include weekly recycling and yard debris; the 35-gallon cart is the starting size.
Electricity: PGE Schedule 7 effective July 8, 2026 (year-round, no seasons), the effective per-kWh rate plus the 1.5% public purpose charge folded in (not on Schedule 109 or the $1.24 low-income charge), with use starting at 784 kWh a month, PGE's typical Schedule 7 customer. Gas: NW Natural Schedule 2 effective October 31, 2025, with use starting at 54 therms; NW Natural's filings for October 31, 2026 add about $6.30 a month at 54 therms and are not included. Insurance: the 2023 Oregon statewide average.
Gas and electricity: Oregon City's right-of-way usage fee is 5% of gross revenue for both (Resolution 14-30 raised it from 3.5% electric and 3% gas). Under OAR 860-022-0040 the first 3.5% (electric) or 3% (gas) is in rates and the excess is separately stated on bills in the city, so we multiply the electric figures by 1.015 and the gas figures by 1.02. The City's own water, sewer and stormwater utilities pay a 6% fee that is already inside their rates.
Nothing here is legal, tax or insurance advice.

Sources

How Oregon City compares

A typical Oregon City house against the 17 Oregon cities we cover, using the same default numbers as the total above.

Per year	Oregon City	Median	Where it falls
Property tax rate	2.00%	1.92%	higher than 11 of the other 16 Oregon cities we cover
Water	$679	$624	higher than 10 of the other 16 Oregon cities we cover
Sewer and utility-bill fees	$1,360	$1,123	higher than 11 of the other 16 Oregon cities we cover
Trash	$481	$446	higher than 9 of the other 13 Oregon cities we cover
Electricity and gas	$3,134	$2,873	higher than 12 of the other 16 Oregon cities we cover
Home insurance	$886	$886	in the middle of 16 other Oregon cities we cover
Total	$12,199	$10,422	higher than 13 of the other 16 Oregon cities we cover

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $3,134 a year, higher than 12 of the other 16 Oregon cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $3,134 a year for a typical house, higher than 12 of the other 16 Oregon cities we cover. Which parts of that can the city influence, and what would you do about them?"

See who is running in your city →

Common questions about Oregon City house costs

What is the property tax rate in Oregon City?

About 2.00% of the value before exemptions a year (2025-26 tax year, Clackamas County code area 062-002 (City of Oregon City, Oregon City School District)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Oregon City?

About $10,017 a year on $500,000 of the value before exemptions.

How much is the water bill in Oregon City?

About $170 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Oregon City.

How much does trash pickup cost in Oregon City?

$29 to $61 a month, depending on the trash cart size (20-gallon cart (weekly), 35-gallon cart (weekly), 65-gallon cart (weekly), 95-gallon cart (weekly)).

When is property tax due in Oregon City?

Nov 16, 2026: Property tax payments due (the November 15 due date moves to the next business day when it falls on a weekend or legal holiday); paying in full by the due date takes 3% off Feb 15: Second one-third property tax installment due (next business day if it falls on a weekend or legal holiday) Apr 15: Senior & disabled property tax deferral applications due to the county assessor (late filing from April 16 to December 1 with a fee)

Can seniors lower their property tax or bills in Oregon City?

Yes. Seniors 62+ and disabled homeowners: property tax deferral: The State of Oregon can pay your county property taxes; deferral accounts accrue 6% interest yearly. For 2026, household income during 2025 cannot exceed $70,000, net worth is limited to $500,000, and you must have owned and lived in the home for the last five full years.

Where can I get help paying utility bills in Oregon City?

Low-income households: reduced City utility rates: The City of Oregon City offers reduced utility rates to senior, disabled and low-income customers who meet the income limits; for 2026 a four-person household can earn up to $73,817 a year in gross income. Reduced rates do not cover excess usage from outside and summer watering. Mail the City's 2026 Reduced Utility Rate Application with income documents to Utility Customer Service, PO Box 3040, Oregon City, OR 97045; questions to (503) 657-8151.

How much does a house in Oregon City cost to run each year?

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