Photo by Squids Z on Unsplash (https://unsplash.com/@squids93)
Cottage Grove, Oregon Retirement Guide
established retirement community
69
Retirement Score
Cottage Grove, Oregon at a Glance
- Median Home Price
- $286,300
- State Income Tax
- State income tax; Social Security fully exempt; some pension deduction.
- Avg January Low
- 35.3°F
- Cost of Living Index
- 106.6 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 69 / 100
Retirement Data
Affordability
Cost of Living Index
106.6 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$286,300High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$987High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
45 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security fully exempt; some pension deduction.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
100 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
71.9 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
100 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
85°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
35.3°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
53.3"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
257 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
100 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
70.1 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
2.1 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
10,583High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
38.2High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
16.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$60,219High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
59.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
5.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
20.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
17.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
83.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
0.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
10.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
1.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Cottage Grove using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$620
Stress-case monthly carrying cost
$697
Median home price used: $286,300
Median rent reference: $987 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.