McMinnville, OR
McMinnville, OR landlord and rental property insurance
What McMinnville landlords should know before insuring a rental. A quote is not a binder.
Census estimates put McMinnville's renter-occupied share at 37%, or roughly 4,753 of 12,795 occupied homes. Compared with 37% across Oregon, that is close to average, and it tells you a lot about the local rental stock owners are insuring.
McMinnville at a glance for landlords
| Measure | McMinnville | Oregon |
|---|---|---|
| Renter-occupied homes | 37% (4,753) | 37% |
| Median owner-occupied home value | $432,800 | $477,600 |
| Median gross rent | $1,380/mo | $1,525/mo |
| Median year structure built | 1991 | 1981 |
| Homes in 2–4 unit buildings | 7% | 7% |
| Single-family homes (detached or attached) | 68% | 68% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
Insured value and premium context in McMinnville
Homes in McMinnville carry a median value near $432,800 according to the Census, compared with $477,600 statewide. Because land is never rebuilt, many owners find their rebuild estimate differs from that figure in either direction.
If your rental is insured somewhere around McMinnville's median, the closest NAIC benchmark is the $400,000–$449,999 band, where the 2023 Oregon dwelling-fire average was $1,104. The all-amounts state figure was $886.
Loss-of-rents planning in McMinnville
Rents in McMinnville center on about $1,380 monthly, including utilities where tenants pay them. Many owners plan for a year offline after a serious loss, which works out near $16,560 per unit at the median.
Building age and underwriting in McMinnville
McMinnville's median home dates to about 1991. Systems are often on their first or second replacement, so roof age and water heater age carry a lot of weight in pricing.
What McMinnville landlords typically own
Roughly 68% of McMinnville homes are single-family, 7% sit in small 2–4 unit buildings, and 17% are in larger apartment buildings. Owners of up to four units can generally use a dwelling fire policy.
McMinnville next to other Oregon rental cities
Portland has a renter share of 48% with homes valued around $581,500 at the median. Salem has a renter share of 44% with homes valued around $416,900 at the median. Eugene has a renter share of 52% with homes valued around $460,400 at the median. Among the 20 largest Oregon cities we profile, McMinnville ranks 14 for renter share. Manufactured and mobile homes make up about 9% of McMinnville's housing, and many dwelling programs underwrite those separately. Roughly 17% of homes in McMinnville are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Weather and property risks for McMinnville rentals
In McMinnville, think about late-summer wildfire, especially in southern and eastern Oregon first, then earthquake, excluded unless added by endorsement. Both appear frequently in Oregon property claims and can change which policy form and deductible make sense.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
What to have ready for a McMinnville quote
- Current insurer and any losses in five years
- Lender name for the mortgagee clause
- Liability limit and months of rent to protect
- Property location in McMinnville and unit count
- When the building went up and when the roof was last replaced
- Lease type and whether the unit is ever empty
- Any system updates, with years
Request a McMinnville landlord quote
McMinnville landlord insurance questions
How many renters live in McMinnville?
About 37% of occupied homes in McMinnville, roughly 4,753 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do McMinnville landlords have to carry insurance?
No Oregon law mandates it for McMinnville owners, though lenders, HOAs, and property managers commonly require it.
What is a typical landlord premium in McMinnville?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Oregon dwelling-fire average of $886; see our Oregon page for the full table.
More landlord pages near McMinnville
Landlord insurance in Oregon · Cost by state
Last updated October 15, 2026. Sources and method: how we research.