D+
22%
Overall NAT. AVG.
5%
Groceries NAT. AVG.
60%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Silverton Oregon National
Cost of living122111100
Groceries105104100
Health care104105100
Housing160124100
Transportation106106100
Utilities108106100
Lifestyle & Entertainment109107100
Household Items101104100
Education & Childcare105109100
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An Overview of Cost of Living in Silverton, OR

Are you thinking about relocating, but curious about the potential cost of living in Silverton? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Silverton stands at 122, making it 22% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.

If you prioritize affordability when seeking a new place to live, Silverton may not be your ideal choice, as it ranks among the most expensive locations in the entire United States. A very small amount of areas exhibit a cost of living at least 20% higher than the national average, and unfortunately, Silverton falls into this category, which may not align with your preferences for a budget-friendly living environment.

Housing costs significantly influence the Silverton cost of living index, typically accounting for a substantial portion of one's post-tax income. Regrettably, within this particular region, expenses related to both residential ownership and renting exceeded those observed in an average city by 59.7%. This entails elements such as housing and rental prices, mortgage interest rates and insurance costs.

Is Silverton Affordable?

Wondering if Silverton is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Silverton, for example, the median home price is 82.4% higher than what folks pay nationally, and monthly rent is 6.9% higher than the usual rates. Plus, income levels matter too, with Silverton boasting a median household income of $103,279, which is 27% higher than the national average.

What Factors can Influence the Cost of Living in Silverton?

Transportation: When public transportation options are limited or non-existent, residents frequently resort to vehicle ownership, which can significantly contribute to the overall cost of living. Monthly financial obligations encompass fuel, insurance, regular maintenance and potentially lease or financing expenses. In Silverton, the transportation index is 6.4% higher than the national average.

Healthcare: The costs associated with healthcare and insurance premiums can exhibit notable disparities based on the city or state of residence. Access to healthcare facilities, out-of-pocket expenses for medical appointments, dental care charges, prescription medication costs and specialized medical care expenses all contribute to variations in the cost of living. In Silverton, healthcare costs are 3.8% higher than the national average.

Groceries: Over the past 2-3 years, grocery expenses have experienced substantial upward trends. In certain markets, food prices have surged by over 20% during this period, while others have witnessed more modest increases. These fluctuations in food costs can wield significant influence over the overall cost of living in a given region. In Silverton, the groceries index is 5.4% higher than the national average.

Where is the Data From?

The Silverton cost of living data displayed above uses a U.S. average baseline of 100 to provide a practical way to compare living expenses across cities. Housing estimates incorporate U.S. Census home price and rental data, while all other values are generated using AI-assisted models based on everyday expense expectations, regional pricing trends, climate, transportation patterns, and local economic conditions. These values are designed for directional city-to-city comparisons.

Cost Of Living Quick Facts

  • The cost of living in Silverton is 9% higher than the Oregon average
  • The cost of living in Silverton is 22% higher than the national average
  • Silverton housing is 60% higher than the national average
  • Oregon general sales tax is 100% lower than the national average
  • Oregon state income tax is 83% higher than the national average

Most Affordable Places to Live in and Around Silverton

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Compare Silverton, OR Cost of Living

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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$119,198$9,933$2,781$3,576
      Renters$53,938$4,495$1,258$1,618
      To approximate the cost of living and the housing affordability in Silverton, OR, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Silverton have a median income of $119,198. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,781 per month to avoid calamity and poverty. The renters in the city have an income of about $53,938, which would make their monthly maximum allowable rental costs $1,258.

      Oregon Sales Tax

      State General Sales Tax With Max Surtax
      Oregon 0% 0%

      Oregon Income Tax

      State Income Tax (Low) Income Tax (High)
      Oregon 4.75% 9.9%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Labish Village, OR5051033.2%
      Brooks, OR6381044.4%
      Hayesville, OR22,7581088.1%
      Four Corners, OR16,9091099.2%
      Aumsville, OR4,30811010.2%
      Silverton, OR10,75012221.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Frederick, CO10,75013434.0%
      Cusseta-Chattahoochee County, GA10,750919.3%
      Exeter, CA10,75211817.7%
      Waterloo, IL10,746982.2%
      Vernal, UT10,7541010.7%
      Silverton, OR10,75012221.8%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.