NCRA Homebuyer Assistance
Deferred second loan · New construction · Income limits
Down payment assistance · Clackamas County
Buying a home in Oregon City, OR
1 county program and 0 statewide.Oregon City has no program of its own, 1 across Clackamas County, and 0 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Oregon City
No program of Oregon City’s own yet
No program run for Oregon City alone is listed. A home in Oregon City can use Clackamas County’s programs below, plus the Oregon statewide and federal ones.
The closest city that runs its own program is Tigard, about 9 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in ClackamasAnywhere in Clackamas County
1 county program1 county program a Oregon City homebuyer can use
The Oregon City marketThe Oregon City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Oregon City
- 66% single-familysingle-family
- 7.3% townhousetownhouse
- 8.8% 2–4 units2–4 units
- 15.7% 5+ unitscondo & apartment buildings (5+ units)
- 2.3% mobile & othermobile home & other
Condos count. Oregon City’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Oregon City’s homes were built
pre-19401970s2020+
40.8%
of Oregon City homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$128,300
County area median income, 4 people (HUD)HUD area median income, Clackamas County, 4-person household (2026)
$97,829
Oregon City median household incomeMedian household income in Oregon City (Census, 2024)
9 of the 63 programs here set their income limit as a share of Clackamas County’s area median income, adjusted for household size. See the published limits for Clackamas County
Free help nearbyFree help near Oregon City
11 HUD-approved counseling agencies within 15 miles11 HUD-approved housing counseling agencies within 15 miles
Oregon City’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.NCRA Homebuyer Assistance asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Oregon and nationwide
62 statewide & federal programs0 statewide programs, plus federal options
Oregon City questions
Does Oregon City have its own down payment program?
No program run for Oregon City alone is listed. A home in Oregon City can use the 1 program that cover Clackamas County and the 0 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Oregon City?
Oregon City’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Clackamas County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Clackamas County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Oregon City?
HUD-approved housing counseling agencies teach homebuyer classes, and 11 agencies are within 15 miles of Oregon City. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
97045
Nearby in Clackamas
Sources
Sources: agency sites (July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.