Lake Oswego, OR vs. Tigard, OR: Cost of Living Comparison (2025)
A common myth is that Lake Oswego is always more expensive than neighboring Tigard. But is that really true? This article provides a detailed cost of living comparison between Lake Oswego and Tigard, Oregon. It’s perfect for families relocating to the Portland area, professionals choosing between job offers, or anyone comparing the real costs of living in these two popular suburbs in 2025.
Housing Costs: Lake Oswego vs Tigard
Housing is often the biggest factor in cost of living. Here’s how Lake Oswego and Tigard stack up for typical housing options:
| Housing Type | Lake Oswego | Tigard |
|---|---|---|
| 2BR Apartment (Monthly Rent) | $2,100 | $1,800 |
| 3BR House (Median Price) | $950,000 | $750,000 |
🏆 Winner: Tigard. Housing costs, both for renting and buying, tend to be 10-20% lower in Tigard compared to Lake Oswego. A household moving from Tigard to Lake Oswego might pay $300 more per month in rent for a similar apartment.
For a more detailed look at housing costs, read our guide on the cost of living in Lake Oswego.
Utilities and Energy Costs
Utility costs are fairly similar between the two cities, with both served by Portland General Electric and the City of Lake Oswego and City of Tigard for water. Typical monthly utility costs:
- Electricity: $120-150
- Natural gas: $60-80 (higher in winter)
- Water/sewer/garbage: $120-140
🏆 Winner: Tie. Utility costs are comparable in Lake Oswego and Tigard, with slight variations based on home size and usage. Both cities offer similar off-peak electricity plans.
Groceries and Daily Expenses
Grocery costs are very similar between Lake Oswego and Tigard, with major chains like Safeway, Albertsons, and New Seasons Market in both cities. Restaurant prices are also comparable, though Lake Oswego has slightly more high-end dining options that can increase costs for eating out.
🏆 Winner: Tigard, but only slightly. Expect to pay around 5% less on groceries and daily goods in Tigard.
Taxes and Fees
Both Lake Oswego and Tigard have property tax rates around 1.5% of assessed value. However, with higher home prices in Lake Oswego, annual property taxes will be higher there on average.
City service fees are similar, with both charging around $40/month for water base fees. Some neighborhoods in Lake Oswego have HOA fees up to $200/month, while they are less common and lower in Tigard.
🏆 Winner: Tigard. With lower home values and fewer HOA areas, Tigard has a slight edge on taxes and fees.
Cost of Living Summary
| Category | Lake Oswego | Tigard |
|---|---|---|
| Housing (3BR house) | $3,800 | $3,000 |
| Utilities | $320 | $310 |
| Groceries | $800 | $760 |
| Transportation | $620 | $580 |
| Taxes (1.5% property tax) | $1,188 | $938 |
| Miscellaneous | $500 | $450 |
| Estimated Monthly Total | $7,228 | $6,038 |
Note: Figures above are estimates for a typical family home and will vary based on individual circumstances. See our guide on monthly costs in Lake Oswego for more details.
Lifestyle Fit: Lake Oswego vs Tigard
While costs are important, so is lifestyle fit. Some key differences:
- Lake Oswego offers more upscale housing and a “small town” feel, while Tigard provides more affordable options and easy access to the rest of the Portland metro.
- Tigard has more diverse housing options, from apartments to townhomes to detached houses.
- Both have highly-rated schools, but Lake Oswego’s are considered some of the best in Oregon.
- Commutes to downtown Portland are 10-20 minutes longer from Lake Oswego.
Frequently Asked Questions
Is Lake Oswego more expensive than Tigard?
Yes, Lake Oswego is about 15-20% more expensive than Tigard overall, mainly due to higher housing costs.
Which city has lower rent prices?
Tigard has lower rent, with prices around 10-15% less than comparable apartments in Lake Oswego.
Is it cheaper to buy a home in Tigard or Lake Oswego?
Homes in Tigard are typically priced 20-25% lower than similar homes in Lake Oswego as of 2025.
The Bottom Line
For most households, Tigard will be more affordable than Lake Oswego, primarily due to lower housing costs. However, Lake Oswego remains popular for its top-notch schools, upscale neighborhoods, and small town charm.
Ultimately, the right choice depends on your budget, housing needs, and lifestyle priorities. Be sure to compare total costs in each city, considering your income and major expenses. Other Portland suburbs like Tualatin, West Linn, and Sherwood are also worth a look as you evaluate options.