Personal loans in Beaverton, OR: data and tips for borrowers

Beaverton in numbers

Source: Census Bureau ACS 5-year estimates, 2020 to 2024, for the city of Beaverton. Estimates carry margins of error, and your own income, credit and debts decide what a lender offers.

Work and pay in Beaverton

Three sectors dominate the Beaverton workforce in the ACS: education and health care (20% of workers), professional, scientific and administrative services (16%) and retail (13%). One lean worth noting: manufacturing, which employs 13% of Beaverton residents compared with 9% in the median place.

Roughly 49 in 100 Beaverton households clear $100,000 a year, while 16 in 100 take in under $35,000 and 15 in 100 reach $200,000. Beaverton beats the U.S. city median on $100,000 households (39%), and sits below it on households under $35,000 (20%).

Residents and homes in Beaverton

On education and age, Beaverton shows 50% of adults 25 and older with a bachelor's degree or higher and a median age of 37.8. Against our U.S. city medians (37.2 years, 37% with a degree), Beaverton runs older and above the typical education level. Education levels shape the local job mix, which in turn shapes pay schedules and benefits.

Detached houses make up 42% of the homes in Beaverton; buildings with five or more units account for 38% and mobile homes for 0%. Our U.S. city median is 61% detached and 22% in large buildings.

Beaverton labor market

The Bureau of Labor Statistics put the unemployment rate in Washington County at 4.1% for September 2026 (not seasonally adjusted, preliminary), down 1.1 points from 5.2% a year earlier. Averaged across 2020 to 2024, the ACS shows 4.4% for Beaverton proper.

Monthly budget benchmarks in Beaverton

Before taxes, the median Beaverton household takes in about $8,218 a month. Typical rent of $1,826 is 22% of it, compared with the 30% rule of thumb of $2,466. About $2,959 a month is what 36% of median gross income comes to here, a rough ceiling many lenders use for all debts combined. Buying the median home would take about 5.8 years of median income. Lenders see your documents, not the median, so treat this as a rough benchmark.

Reading the Beaverton data as a borrower

Working from home is common in Beaverton (25% of workers), higher than in most of our U.S. city set. Remote workers and the self-employed should expect lenders to verify income carefully, so keep pay stubs, contracts or tax returns ready.

Beaverton has a high price-to-income gap: a median home value of $569,800 against a median household income of $98,622 (a ratio of about 5.8). Borrowers in that position benefit from comparing total cost across lenders and not stretching terms.

Just 51% of Beaverton households own, so most people looking at a personal loan here are renters. For them, moving costs, deposits and consolidating card balances are common reasons, and there is no equity to tap.

How Beaverton compares

Line Beaverton up with the other 784 U.S. city places and you see a median household income of $98,622 (237th of 784, top down), a median gross rent of $1,826 (204th of 784, top down), and a median home value of $569,800 (135th of 784, top down).

Of the places of similar size that we cover in Oregon, two reference points are Hillsboro ($106,409 income, $1,978 rent), where Beaverton runs 7% below on income and 8% below on rent and Tigard ($108,823 income, $1,782 rent), where Beaverton runs 9% below on income and 2% above on rent. If your budget looks like your neighbors', the checklist questions are the same; if it does not, size the payment to your own numbers.

The Beaverton area, place by place

Neighboring places within about 35 miles, nearest first, using the same 2020 to 2024 Census estimates. Rent difference is measured against Beaverton.

Households earn more at the median in 6 of the 8 neighbors, while 4 have cheaper median rent than Beaverton. The cheapest median rent here is Metzger's $1,629, the steepest is Aloha's $1,896, and Raleigh Hills leads on income at $120,000. Lenders look at your own rent or mortgage, not the town average, but the spread shows how much local costs vary.

Getting to know Beaverton

Beaverton is a Washington County city west of Portland. Nike's world headquarters sits just outside the city limits, and the MAX Blue Line and US-26 carry commuters into Portland.

A Beaverton example

Higher pay does not remove the need to compare. For a salaried borrower in Beaverton, the biggest saving usually comes from picking the shortest term and shopping three lenders.

A Beaverton borrower checklist

• Check your state's financial regulator for the lender's license, and use the CFPB complaint portal if something goes wrong.
• Get the same four numbers from every lender: what you receive, the APR, all fees and the total you will repay.
• Run the offer checklist before you sign.
• Try the free routes first: a credit union, a hardship plan or a nonprofit counselor may beat any loan (free options).
• Line up three offers for Beaverton and compare APR, fees and total repayment in the side-by-side calculator.

More nearby

• Personal loans in Hillsboro, OR
• Personal loans in Tigard, OR
• Personal loans in Portland, OR