1st Advantage MortgageAbout 73% of Douglas County homes are owner-occupied, and the median household income is $61,310. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Douglas County by the numbers
- Household income in Douglas County
- Douglas County housing compared with Oregon
- The Douglas County job picture
- Neighboring counties at a glance
- Places inside Douglas County
- Debt-to-income at Douglas County's medians
- Douglas County residents: age, schooling, coverage
- Before borrowing in Douglas County
- Licensing and complaints for Douglas County
- Checklist for Douglas County applicants
- More guides for Douglas County
- Frequently asked questions
Douglas County by the numbers
Douglas County is home to about 112,072 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 9th most populous of 36 county-level areas in Oregon. Spread over 5,036 square miles, that works out to roughly 22.3 residents per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Of the 23 Census places inside Douglas County, Roseburg leads by population with about 23,778; 12 of the 23 are incorporated.
Household income in Douglas County
At $61,310, the typical Douglas County household income is 7% below the median U.S. county ($65,681). That places it 28th among Oregon's 36 county-level areas.
| Yearly household income | Douglas County | Gap to Oregon |
|---|---|---|
| Under $35,000 | 27.1% | +7.0 pts |
| $35,000 to $99,999 | 45.1% | +6.5 pts |
| $100,000 to $199,999 | 22.2% | -6.4 pts |
| $200,000 or more | 5.6% | -7.1 pts |
The spread is wide: 28% of Douglas County households make $100,000 or more, and 27% make less than $35,000. The poverty rate is 16.3%, 4 points higher than the state's 11.9%. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Douglas County housing compared with Oregon
Median gross rent, utilities included, comes to $1,055 in Douglas County versus $1,525 statewide. By the Census definition, 51% of Douglas County renters are cost-burdened. The median owner-occupied home is valued at $310,300, about 5.1 times the median household income. The ownership rate is 73%. Median construction year: 1977.
| Measure | Douglas County | Oregon | Median U.S. county |
|---|---|---|---|
| Median gross rent | $1,055/mo | $1,525/mo | $877/mo |
| Median home value | $310,300 | $477,600 | $185,300 |
| Owners | 73% | 63% | 75% |
| Rent-burdened renters | 51% | 52% | 45% |
| Burdened owners | 31% | 31% | n/a |
| Vacant units | 6% | 8% | n/a |
Because most Douglas County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral. High rent burdens leave little slack. If you are borrowing to consolidate, make sure the new payment is lower than the ones it replaces.
The Douglas County job picture
Education and health care employs 23% of working residents, the largest share; retail trade is next with 12%. Compared with Oregon, the county leans toward agriculture, forestry and mining (5% against 3%). Averaged over the five survey years, 5.4% of the labor force was out of work and looking. Long commutes are the exception here: 10% of workers spend 45 minutes or longer getting to work. Households without a car make up 5.2% of the total (7.1% statewide).
| Industry (employed residents 16+) | Douglas County | Gap to Oregon |
|---|---|---|
| Education and health care | 22.6% | -1.2 pts |
| Retail trade | 12.0% | +0.1 pts |
| Manufacturing | 11.3% | +0.5 pts |
| Arts, lodging and food service | 10.0% | +1.2 pts |
| Professional and administrative services | 8.6% | -3.4 pts |
| Construction | 6.9% | 0.0 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Neighboring counties at a glance
Lane County is closest, 46 miles from center to center; the sixth, Benton County, is 85 miles off. Benton County leads the group on income ($77,702), Josephine County trails ($60,098), and Douglas County out-earns 1 of the six.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Douglas County | - | $61,310 | $1,055/mo | 73% |
| Lane County, OR | 46 mi | $71,544 | $1,355/mo | 60% |
| Coos County, OR | 48 mi | $62,143 | $1,042/mo | 71% |
| Jackson County, OR | 65 mi | $73,999 | $1,358/mo | 66% |
| Josephine County, OR | 66 mi | $60,098 | $1,194/mo | 72% |
| Curry County, OR | 78 mi | $62,244 | $1,241/mo | 74% |
| Benton County, OR | 85 mi | $77,702 | $1,410/mo | 57% |
Places inside Douglas County
The table lists the 14 largest of 23 Census places in Douglas County, by population. Together all 23 hold about 74,506 people, so roughly 34% of residents live outside any named place. Lookingglass has the highest median household income on the list ($89,625) and Glendale the lowest ($43,466), counting places with at least 500 residents. Live in one of these Douglas County communities, or between them? This is your local guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Roseburg | city | 23,778 | $53,918 | $1,063 | 11 mi |
| Sutherlin | city | 8,599 | $51,250 | $1,221 | 11 mi |
| Green | CDP | 7,541 | $66,813 | $1,216 | 15 mi |
| Winston | city | 5,690 | $56,667 | $980 | 18 mi |
| Roseburg North | CDP | 4,601 | $65,160 | $1,197 | 10 mi |
| Reedsport | city | 4,317 | $53,571 | $766 | 56 mi |
| Tri-City | CDP | 4,234 | $55,026 | $934 | 22 mi |
| Myrtle Creek | city | 3,500 | $55,921 | $1,013 | 19 mi |
| Canyonville | city | 1,920 | $47,682 | $959 | 26 mi |
| Glide | CDP | 1,823 | $73,727 | $479 | 4 mi |
| Drain | city | 1,078 | $46,103 | $984 | 27 mi |
| Oakland | city | 1,048 | $59,042 | $1,029 | 12 mi |
| Glendale | city | 981 | $43,466 | $1,075 | 40 mi |
| Yoncalla | city | 971 | $55,260 | $1,290 | 23 mi |
A CDP is a named community without its own municipal government.
Debt-to-income at Douglas County's medians
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Douglas County household at the medians it works out like this; treat it as an illustration only.
- Monthly gross at the median, Douglas County: $5,109
- 21% goes to median rent ($1,055)
- $784: what a 36% ratio leaves once rent is paid
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Douglas County residents: age, schooling, coverage
College graduates make up 19% of the adult population. The uninsured rate is 5.2%, against 5.9% for Oregon.
| Measure | Douglas County | Oregon statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 46.5 | 40.4 | 41.5 |
| Bachelor's or higher | 19.3% | 36.8% | 22.2% |
| No high school diploma | 8.7% | 8.2% | n/a |
| No health insurance | 5.2% | 5.9% | 7.8% |
| No vehicle | 5.2% | 7.1% | 5.4% |
| Work from home | 12.3% | 19.0% | 8.7% |
| Poverty rate | 16.3% | 11.9% | 13.2% |
| Unemployment (ACS) | 5.4% | 5.4% | 4.4% |
| One-way commute | Share of Douglas County workers |
|---|---|
| Under 15 min | 40.6% |
| 15 to 29 min | 35.6% |
| 30 to 44 min | 13.8% |
| 45 to 59 min | 4.4% |
| 60+ min | 5.6% |
Before borrowing in Douglas County
The county's numbers point to a few situations that come up often for Douglas County borrowers.
- 18% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Benefit income. With half of residents older than 46, lenders often see pension and Social Security income, which counts like wages.
- Renters under pressure. When 51% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
Licensing and complaints for Douglas County
The Oregon Division of Financial Regulation is the place to verify any lender's Oregon license. Federal complaints: consumerfinance.gov. The Oregon guide covers state rules in more detail.
Checklist for Douglas County applicants
A short checklist for Douglas County borrowers:
- Price the Douglas County expense first and borrow that amount, no more.
- Shop at least three lenders, including one Douglas County-area credit union.
- Confirm the lender is licensed in Oregon.
- Lock paid-off cards after consolidating so balances stay at zero.
More guides for Douglas County
The Oregon guide covers the whole state.
Frequently asked questions
How much do households in Douglas County earn?
The median is $61,310; 28% earn $100,000 or more and 27% under $35,000. A lender uses your own documented income, not this figure.
What do renters pay in Douglas County?
$1,055 a month at the median, about 21% of median household income.
I own my home in Douglas County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 73% of homes owner-occupied here, many readers can compare both in writing.
What are the biggest places in Douglas County?
By population: Roseburg, Sutherlin, Green, Winston, Roseburg North. The county has 23 Census places in all.
Is the fit check different in Douglas County?
No. It is identical everywhere, and it never looks at your neighborhood.