1st Advantage MortgageIn Coos County, Oregon, the typical household earns $62,143 a year and the typical rent is $1,042. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Oregon before sharing details.
On this page
- Getting oriented in Coos County
- Household income in Coos County
- Work, industries and travel time in Coos County
- Renting and owning in Coos County
- Counties near Coos County
- Places inside Coos County
- More Coos County figures
- Before borrowing in Coos County
- A Coos County household budget, worked through
- Four steps for Coos County borrowers
- Who licenses lenders for Coos County residents
- Related local guides
- Frequently asked questions
Getting oriented in Coos County
With an estimated 64,827 residents (ACS 2020 to 2024), Coos County ranks 16th of 36 in Oregon for population. It covers 1,596 square miles of land, or about 41 people per square mile. Under the July 2023 OMB definitions, Coos County is not part of any metropolitan area. Of the 11 Census places inside Coos County, Coos Bay leads by population with about 15,925; 7 of the 11 are incorporated.
Household income in Coos County
Half of Coos County households take in less than $62,143 a year and half take in more, 25% below the Oregon median of $83,011. That places it 27th among Oregon's 36 county-level areas.
| Yearly household income | Coos County | Gap to Oregon |
|---|---|---|
| Under $35,000 | 30.3% | +10.2 pts |
| $35,000 to $99,999 | 40.9% | +2.3 pts |
| $100,000 to $199,999 | 21.7% | -6.9 pts |
| $200,000 or more | 7.1% | -5.6 pts |
The spread is wide: 29% of Coos County households make $100,000 or more, and 30% make less than $35,000. Census counts 16.1% of Coos County residents in poverty, against 11.9% across Oregon. The Gini index of income inequality is 0.467 (0 is perfect equality). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Coos County median.
Work, industries and travel time in Coos County
By the Census industry count, 25% of employed Coos County residents work in education and health care and 14% in arts, lodging and food service. Arts, lodging and food service stands out: 14% of workers here, versus 9% statewide. The survey's unemployment rate for Coos County averages 6.0% over 2020 to 2024 (state: 5.4%). 7% of commuters travel 45 minutes or more each way, and 8% work from home. Only 7.0% of homes here go without a vehicle.
| Industry | Share of Coos County workers | vs Oregon |
|---|---|---|
| Education and health care | 24.8% | +1.0 pts |
| Arts, lodging and food service | 13.7% | +5.0 pts |
| Retail trade | 13.1% | +1.2 pts |
| Professional and administrative services | 10.0% | -2.0 pts |
| Construction | 6.8% | -0.1 pts |
| Public administration | 6.2% | +1.4 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Coos County should have bank statements and tax returns ready.
Renting and owning in Coos County
A typical Coos County rental runs $1,042 a month including utilities, which is 32% below Oregon. 52% of renting households spend 30% or more of income on rent, and 23% spend half or more. Home values center on $337,800, or 5.4 years of median income. 71% of Coos County households own their home and 29% rent. Half the housing stock was built before 1974.
| Home costs | Coos County | Oregon | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,042/mo | $1,525/mo | $877/mo |
| Median home value | $337,800 | $477,600 | $185,300 |
| Owners | 71% | 63% | 75% |
| Rent-burdened renters | 52% | 52% | 45% |
| Burdened owners | 32% | 31% | n/a |
| Mobile homes | 14.3% | 7.1% | n/a |
Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
Counties near Coos County
Distances run center to center, from Douglas County at 48 miles out to Benton County at 96. Income ranges from $60,098 in Josephine County to $77,702 in Benton County; 4 of these neighbors top Coos County's median.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Coos County | - | $62,143 | $1,042/mo | 71% |
| Douglas County, OR | 48 mi | $61,310 | $1,055/mo | 73% |
| Curry County, OR | 50 mi | $62,244 | $1,241/mo | 74% |
| Josephine County, OR | 61 mi | $60,098 | $1,194/mo | 72% |
| Lane County, OR | 79 mi | $71,544 | $1,355/mo | 60% |
| Jackson County, OR | 90 mi | $73,999 | $1,358/mo | 66% |
| Benton County, OR | 96 mi | $77,702 | $1,410/mo | 57% |
Places inside Coos County
The table lists the 11 largest of 11 Census places in Coos County, by population. Together all 11 hold about 43,940 people, so roughly 32% of residents live outside any named place. Glasgow has the highest median household income on the list ($91,047) and Myrtle Point the lowest ($47,656), counting places with at least 500 residents. None of the 11 has its own city guide, so this page covers all of them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Coos Bay | city | 15,925 | $56,524 | $1,034 | 15 mi |
| North Bend | city | 10,171 | $81,320 | $1,066 | 17 mi |
| Coquille | city | 4,002 | $58,490 | $1,157 | 5 mi |
| Bandon | city | 3,330 | $48,187 | $963 | 17 mi |
| Myrtle Point | city | 2,684 | $47,656 | $822 | 9 mi |
| Lakeside | city | 1,870 | $65,375 | $1,027 | 28 mi |
| Barview | CDP | 1,684 | $78,510 | $1,125 | 15 mi |
| Bunker Hill | CDP | 1,626 | $60,058 | $905 | 13 mi |
| Saunders Lake | CDP | 1,338 | $63,914 | $1,301 | 24 mi |
| Glasgow | CDP | 697 | $91,047 | n/a | 18 mi |
| Powers | city | 613 | $48,625 | $1,223 | 21 mi |
A CDP is a named community without its own municipal government.
More Coos County figures
College graduates make up 23% of the adult population. The uninsured rate is 6.9%, against 5.9% for Oregon.
| Measure | Coos County | Oregon statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 48.6 | 40.4 | 41.5 |
| Bachelor's or higher | 22.6% | 36.8% | 22.2% |
| No high school diploma | 8.3% | 8.2% | n/a |
| No health insurance | 6.9% | 5.9% | 7.8% |
| No vehicle | 7.0% | 7.1% | 5.4% |
| Work from home | 8.1% | 19.0% | 8.7% |
| Poverty rate | 16.1% | 11.9% | 13.2% |
| Unemployment (ACS) | 6.0% | 5.4% | 4.4% |
| One-way commute | Share of Coos County workers |
|---|---|
| Under 15 min | 47.7% |
| 15 to 29 min | 30.8% |
| 30 to 44 min | 14.0% |
| 45 to 59 min | 3.4% |
| 60+ min | 4.1% |
Before borrowing in Coos County
The county's numbers point to a few situations that come up often for Coos County borrowers.
- Mobile home upkeep. 14% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Retirees. At a median age of 48.6, many borrowers here rely on award letters as proof of income; favor no prepayment penalty.
- Rent squeeze. 52% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
A Coos County household budget, worked through
How much room does a median Coos County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Median income divided by twelve: $5,179 before taxes
- Less median rent of $1,042, which is 20% of it
- 40% debt-to-income limit: $1,029 left for all other debt payments
Two-income households and single earners in Coos County land in very different places on this math, so run it for your own budget.
Four steps for Coos County borrowers
Before you apply, wherever you live in Coos County:
- Get a written quote for whatever you are paying for in Coos County.
- Shop at least three lenders, including one Coos County-area credit union.
- Look the lender up with the state regulator first.
- Never pay a fee up front to get a loan.
Who licenses lenders for Coos County residents
No county office licenses personal lenders. For Coos County, check the Oregon Division of Financial Regulation. Problems with a lender can also go to the CFPB. The Oregon guide covers state rules in more detail.
Related local guides
For statewide rules and data, see the Oregon guide.
Frequently asked questions
What is the median household income in Coos County?
$62,143 a year in the 2020 to 2024 Census survey, versus $83,011 for Oregon. It ranks 27th of 36 in the state.
What do renters pay in Coos County?
$1,042 a month at the median, about 20% of median household income.
Which towns does the Coos County guide cover?
Every community in the county, unincorporated areas included. The largest of its 11 Census places: Coos Bay, North Bend, Coquille, Bandon, Myrtle Point.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Coos County or elsewhere in Oregon, the same rules apply.
Is there a Coos County office that licenses lenders?
No, licensing is statewide. In Oregon it is the Oregon Division of Financial Regulation.