Landlord insurance in Gresham, Oregon

With an estimated 111,507 residents, Gresham has around 18,492 renter households, about 44% of occupied housing. Statewide, Oregon sits at 37%, so Gresham's rental share is above the state figure.

Key housing figures for Gresham, OR

Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).

Insured value and premium context in Gresham

At a median home value of $458,700, Gresham is in line with Oregon overall ($477,600). Underwriters care about replacement cost rather than sale price, so bring square footage, construction type, and update history to the conversation.

If your rental is insured somewhere around Gresham's median, the closest NAIC benchmark is the $450,000–$499,999 band, where the 2023 Oregon dwelling-fire average was $1,315. The all-amounts state figure was $886.

Protecting rental income in Gresham

With median gross rent near $1,586 per month, twelve months of interrupted income in Gresham comes to about $19,032 for a single unit. Multiply by your unit count when you size loss-of-rents coverage.

Construction era of Gresham rentals

Half of Gresham's homes were built before 1981 and half after. Polybutylene supply lines were installed in some homes from the late 1970s to mid-1990s, and insurers may ask whether they have been replaced.

Single-family, small multi-unit, and apartments in Gresham

Small multi-family buildings are a real part of Gresham's housing at roughly 10% of units. If you own a duplex, triplex, or fourplex here, read our guide to 2–4 unit buildings.

Comparing Gresham to neighboring cities

In Portland, 48% of occupied homes are rented and the median value is $581,500. In Salem, 44% of occupied homes are rented and the median value is $416,900. Eugene has a renter share of 52% with homes valued around $460,400 at the median. By renter share, Gresham is number 7 on our list of 20 Oregon cities. Roughly 28% of homes in Gresham are in buildings of five or more units, the point where most owners move to commercial apartment policies.

Gresham weather exposures that affect landlord claims

For rentals in Gresham, the hazards that most often shape Oregon landlord coverage include late-summer wildfire, especially in southern and eastern Oregon and earthquake, excluded unless added by endorsement. Ask how your policy handles each, and whether any separate deductible applies.

Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.

Requesting coverage for a Gresham rental

• Construction year plus the age of the roof
• Occupancy: long-term lease, month-to-month, short-term, or vacant
• Dates of wiring, plumbing, and HVAC upgrades
• Prior carrier, expiration date, and five-year loss history
• Lender name for the mortgagee clause
• Liability limit and months of rent to protect
• The Gresham address and how many units it has

Request a Gresham landlord quote

Questions from Gresham rental owners

Other Oregon cities

• Portland
• Salem
• Eugene
• Hillsboro
• Bend
• Beaverton
• Medford
• Corvallis

Landlord insurance in Oregon · Cost by state

Last updated October 15, 2026. Sources and method: how we research.