Oregon City, OR
Rental property insurance for Oregon City landlords
Local rental data and insurance guidance for Oregon City property owners. A quote is not a binder.
Oregon City is home to roughly 38,327 people in Clackamas County, and about 35% of its 13,944 occupied homes are rented rather than owner-occupied, close to the Oregon rate of 37%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Key housing figures for Oregon City, OR
| Measure | Oregon City | Oregon |
|---|---|---|
| Renter-occupied homes | 35% (4,835) | 37% |
| Median owner-occupied home value | $555,800 | $477,600 |
| Median gross rent | $1,708/mo | $1,525/mo |
| Median year structure built | 1992 | 1981 |
| Homes in 2–4 unit buildings | 9% | 7% |
| Single-family homes (detached or attached) | 73% | 68% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
Setting coverage on a Oregon City rental
At a median home value of $555,800, Oregon City is higher than 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.
For context, the NAIC reported that Oregon dwelling-fire policies insuring $500,000 to $599,999 averaged $1,193 a year in 2023, against a statewide dwelling-fire average of $886. Those are owner-occupied dwelling-form figures, not landlord quotes.
Loss-of-rents planning in Oregon City
The Census median gross rent for Oregon City, $1,708 per month, is a reasonable starting point for fair rental value. At that rate, 12 months is about $20,496 per unit.
How old Oregon City's housing is, and why it matters
Half of Oregon City's homes were built before 1992 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.
Types of rental property in Oregon City
Oregon City is mostly single-family, around 73% of units, with 2–4 unit buildings at 9%. Single-family rentals here typically go on a dwelling fire policy.
Oregon City next to other Oregon rental cities
Nearby Lake Oswego reports 31% renter households and a $932,200 median home value, so proportionally fewer renters than Oregon City. In Happy Valley, 21% of occupied homes are rented and the median value is $725,300. Nearby Portland reports 48% renter households and a $581,500 median home value, so proportionally more renters than Oregon City. By renter share, Oregon City is number 18 on our list of 20 Oregon cities. Buildings with five or more units hold about 16% of Oregon City's homes; those generally need commercial apartment coverage rather than dwelling forms.
Oregon City weather exposures that affect landlord claims
Oregon landlords generally plan around ice storms and winter wind in the valleys, late-summer wildfire, especially in southern and eastern Oregon, and earthquake, excluded unless added by endorsement. Those exposures apply in Oregon City as much as anywhere in the state, so confirm deductibles and exclusions before you bind.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Getting a landlord quote in Oregon City
- Any system updates, with years
- Prior carrier, expiration date, and five-year loss history
- Lender name for the mortgagee clause
- How much liability and lost rent you want covered
- The Oregon City address and how many units it has
- When the building went up and when the roof was last replaced
- How it is occupied today, including any vacancy or short-term use
Request a Oregon City landlord quote
Questions from Oregon City rental owners
What share of Oregon City homes are rentals?
About 35% of occupied homes in Oregon City, roughly 4,835 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Oregon City?
Oregon law does not require landlord insurance, but lenders usually require property coverage, and many leases, HOAs, and property managers require liability coverage.
How much does landlord insurance cost in Oregon City?
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.
Other Oregon cities
Landlord insurance in Oregon · Cost by state
Last updated October 15, 2026. Sources and method: how we research.