Medford, OR
Rental property insurance for Medford landlords
Coverage for rental homes and 2–4 unit buildings in Medford, with local Census housing data. A quote is not a binder.
Census estimates put Medford's renter-occupied share at 44%, or roughly 15,211 of 34,813 occupied homes. Compared with 37% across Oregon, that is above average, and it tells you a lot about the local rental stock owners are insuring.
Medford at a glance for landlords
| Measure | Medford | Oregon |
|---|---|---|
| Renter-occupied homes | 44% (15,211) | 37% |
| Median owner-occupied home value | $417,100 | $477,600 |
| Median gross rent | $1,376/mo | $1,525/mo |
| Median year structure built | 1984 | 1981 |
| Homes in 2–4 unit buildings | 11% | 7% |
| Single-family homes (detached or attached) | 68% | 68% |
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates (tables B25003, B25077, B25064, B25035, B25024), retrieved via Census Reporter; population from U.S. Census Bureau, Vintage 2024 population estimates.
Dwelling limits for Medford landlords
The median owner-occupied home in Medford is valued at about $417,100, lower than the Oregon median of $477,600. Market value includes land, so it is only a starting point: your dwelling limit should reflect what it would cost to rebuild the structure.
If your rental is insured somewhere around Medford'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.
Protecting rental income in Medford
With median gross rent near $1,376 per month, twelve months of interrupted income in Medford comes to about $16,512 for a single unit. Multiply by your unit count when you size loss-of-rents coverage.
How old Medford's housing is, and why it matters
With a median year built of 1984, many Medford rentals are reaching the age where original roofs, water heaters, and HVAC units are replaced. Note those dates on your request.
Types of rental property in Medford
Two-to-four-unit buildings make up about 11% of Medford's housing, well above many places. Duplexes and fourplexes can usually stay on dwelling forms; see our duplex and fourplex guide for shared-area and per-unit rent questions.
Medford next to other Oregon rental cities
In Portland, 48% of occupied homes are rented and the median value is $581,500. For comparison, Salem comes in at 44% rented and $416,900 median value, with median rent of $1,400. For comparison, Eugene comes in at 52% rented and $460,400 median value, with median rent of $1,402. Medford places 9 of 20 profiled Oregon cities by share of rented homes. Buildings with five or more units hold about 17% of Medford's homes; those generally need commercial apartment coverage rather than dwelling forms.
Natural hazards Medford landlords plan for
For rentals in Medford, the hazards that most often shape Oregon landlord coverage include heavy rain and water intrusion during winter storms and ice storms and winter wind in the valleys. 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.
What to have ready for a Medford quote
- Mortgage company details, if financed
- How much liability and lost rent you want covered
- Street address in Medford and number of units
- When the building went up and when the roof was last replaced
- Occupancy: long-term lease, month-to-month, short-term, or vacant
- Any system updates, with years
- Prior carrier, expiration date, and five-year loss history
Request a Medford landlord quote
Medford landlord insurance questions
What share of Medford homes are rentals?
About 44% of occupied homes in Medford, roughly 15,211 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Medford?
Oregon law does not require landlord insurance, but lenders usually require property coverage, and many leases, HOAs, and property managers require liability coverage.
What is a typical landlord premium in Medford?
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 Medford
Landlord insurance in Oregon · Cost by state
Last updated October 15, 2026. Sources and method: how we research.