Ashland, Oregon.
Typical home $542,434 (+2.1% in a year), asking rent $2,181 (+4.1%). Medford, OR metro.
to buy the typical home at today's mortgage rate — +$1,198 (+73%) since Jan 2020.
- 1 year
- Up $11,097 +2%
- $531,337$542,434 since Sep 2025
- 5 years
- Up $16,610 +3%
- $525,824$542,434 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Ashland$2,847
- Oregon$2,586
- United States$1,922
Typical home values in Ashland, OR rose 2.1% over the past year — faster than the nation's +1.2%.
Asking rents in Ashland, OR rose 4.1% over the past year — faster than the nation's +2.7%.
Owning the typical home in Ashland runs $1,580/mo more than renting one. The gap peaked at $1,908 in Oct 2023.
That is $3,761 a month against $2,181 rent: a $2,847 mortgage payment, plus $334 property tax and $581 insurance & upkeep.
Owning vs renting — Ashland
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,761
- Renting$2,181
- Mortgage only$2,847
Property tax · $334/mo 0.74% of value a year — the ACS 2020-2024 median bill over the median home value for Jackson County, OR
Insurance & upkeep · $581/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Ashland, Jackson County, Oregon
Ashland is a city of 21,360 people in Jackson County. Half its households earn more than $68,028 a year and half less, against $73,999 across Jackson County; 15% of its people live below the poverty line. 52% of its homes are lived in by their owners and 48% are rented. Unemployment in Jackson County was 5.9% in August 2026, and the county had 0.9% more jobs in 2025 than the year before. The most residents work in schools and health care, then restaurants and hotels.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Ashland is a small city whose residents are older than in most American places, and nearly everyone who lives here holds a four-year degree. Incomes run a little below the county's, and homes cost a good deal while rents are high, so renters make up about as large a part of the town as owners do. Winters are cold but bring little or no snow, summers are warm, and the year's rain and melted snow is on the lighter side.
Work. Many residents work in schools, hospitals and social care, and in restaurants, hotels and entertainment, with shops and professional and business services also employing a good number. Southern Oregon University, Ashland SD 5 and the Oregon Shakespeare Festival are among the largest workplaces in town. Commutes are short, and a good many people work from home.
Things to do. Lithia Park is a garden in or beside town, and the Allen Elizabethan Theatre, also in or beside town, is a place to see a play. Ashland Creek runs through the town for walks by the water. For a day out, Mount Ashland Ski Area is a short drive away, and Emigrant Lake, a reservoir, is also a short drive.
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- 10,536households
- 66%of adults have a degree
- 15%below the poverty line
- 17 mintypical commute
- 21%work from home
What residents work in
Employed residents by industry, from the Census survey. Jackson County had 91,966 jobs in 2025, 0.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 47° and lows near 29°; warmest in July, with highs near 88° and lows near 51°. About 20 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Ashland weather station, 2 miles away (NOAA).
Largest workplaces in Ashland
- Southern Oregon UniversityUniversity or college642
- Ashland SD 5School district382FTE
- Ashland Food CooperativeGrocery stores166
- Rainforest RoutesCourier services147
- Oregon Shakespeare FestivalTheatrical repertory companies139
- Adroit Construction CoCommercial building construction130
- Work SharpTools and accessories for machine tools manufacturing130
- AlbertsonsSupermarkets and other grocery stores80
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 14 workplaces with 20 or more staff, 1,137 people in all. Colleges come from IPEDS (NCES, 2023–24) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively high
- Earthquakesrelatively high in parts of AshlandRelatively moderate
- Heat wavesRelatively moderate
- Inland floodingrelatively high in parts of AshlandRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Ashland’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Jackson County and the Medford, OR metro.
Ashland home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Ashland$542,434
- Oregon$492,753
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Ashland listings, and the typical home goes pending in 25 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Ashland32.37%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Ashland25
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Ashland200
New listings per month
Sellers arriving at the market.
- Ashland49
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Ashland$535,483
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Ashland98.05%
Zip codes with a Ashland address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Ashland — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.