Milwaukie is considered moderately affordable in 2025, with average rent for a 2-bedroom apartment around $1,700 per month and utility costs slightly below the national average.
Housing Costs in Milwaukie
Housing options in Milwaukie range from apartments and condos to single-family homes. Rental prices vary by neighborhood, with downtown and waterfront areas generally commanding higher rates. A typical 2-bedroom apartment rents for $1,600 to $1,800 per month as of 2025.
For those looking to purchase a home, a 3-bedroom house in Milwaukie averages between $450,000 to $550,000. Prices are higher in newer developments and riverfront neighborhoods. Some key cost differences across housing types:
- 1-bedroom apartment: $1,200 – $1,400/month
- 2-bedroom apartment: $1,600 – $1,800/month
- 3-bedroom house: $450,000 – $550,000 purchase price
- Townhouse/condo: $300,000 – $400,000 purchase price
About 30% of neighborhoods have active homeowners associations (HOAs), which can add $200 to $400 per month in fees. Factor this in when budgeting for a home purchase.
Utilities and Energy Bills
Utility costs in Milwaukie are slightly below the national average. Expect to pay around $120 per month for electricity for a 2-bedroom apartment, with costs rising in summer due to air conditioning. Natural gas averages $60 per month for heating and cooking.
Water, sewer, and trash bills typically run $70 to $90 per month. High-speed internet costs $50 to $80 monthly, depending on the provider and speed tier. Budget around $300 total per month for basic utilities for a couple in a 2-bedroom apartment:
| Utility | Avg. Monthly Cost |
|---|---|
| Electricity | $120 |
| Natural gas | $60 |
| Water/sewer/trash | $80 |
| Internet | $65 |
| Total | $325 |
Groceries and Food
Grocery costs in Milwaukie are on par with the Portland metro average. Expect to spend around $400 per month on groceries for a single person, or $900 for a family of four. This assumes a mix of dining out and cooking at home.
A gallon of milk runs about $3.50, while a dozen eggs cost $2.80. Bread averages $2.50 per loaf. Dining out costs $12 to $16 per person for a casual meal, or $30+ per person at nicer restaurants. A typical couple might spend $500 per month on groceries and $400 on dining out, for a total food budget of $900.
Taxes and Fees
Milwaukie’s property tax rate is $14.50 per $1,000 of assessed value, slightly lower than some nearby cities. For a $450,000 home, annual property taxes would be approximately $6,525, or $544 per month.
Oregon has no sales tax, which helps keep costs down on daily purchases. However, the state income tax rate is 9% for most middle-class earners. Milwaukie also charges a $5 per month street maintenance fee on utility bills.
| Tax/Fee Type | Rate |
|---|---|
| Property tax | $14.50 per $1,000 assessed value |
| Sales tax | None |
| State income tax | 9% (for most middle incomes) |
| City street fee | $5 per month |
Monthly Cost Summary
So what does it really cost to live comfortably in Milwaukie? Here’s a sample monthly budget breakdown:
| Expense | Single Person | Couple | Family of 4 |
|---|---|---|---|
| Housing (rent/mortgage) | $1,400 | $1,700 | $2,500 |
| Utilities | $250 | $325 | $450 |
| Groceries & dining out | $600 | $900 | $1,400 |
| Transportation | $200 | $300 | $500 |
| Healthcare | $300 | $600 | $1,000 |
| Other essentials & savings | $500 | $800 | $1,200 |
| Total Monthly Expenses | $3,250 | $4,625 | $7,050 |
| Gross Income Needed (pre-tax) | $3,900 | $5,550 | $8,450 |
Note that these figures are based on gross monthly income, before taxes are deducted. To live comfortably, a single person needs around $3,900 per month ($46,800/year), a couple $5,550 per month ($66,600/year), and a family of four $8,450 monthly ($101,400/year) in pre-tax income.
Lifestyle Considerations
Milwaukie offers a suburban lifestyle with relatively easy access to Portland. Commute times to downtown Portland average 25-35 minutes by car, or 45-60 minutes by public transit. Having a car is helpful for getting around town, but not strictly necessary.
Homes in Milwaukie provide more space for the money compared to Portland proper. It’s common to find 3-bedroom houses with yards for under $550,000, which would be challenging in the city. However, older homes may lack modern updates and energy-efficiency.
Milwaukie has ample parks, trails, and outdoor recreation. The town center has a good selection of local restaurants and shops. But for major attractions, nightlife, and cultural events, most people head into Portland.
Frequently Asked Questions
What salary do you need to live in Milwaukie?
To live comfortably, a single person needs around $3,900 per month in gross income, a couple $5,550 per month, and a family of four $8,450 per month. This factors in housing, food, utilities, and other essentials.
Is Milwaukie cheaper than Portland?
Yes, Milwaukie is generally 10-20% less expensive than Portland, primarily due to lower housing costs. You can get more space for your dollar in Milwaukie.
What are the top 3 costs that surprise newcomers to Milwaukie?
- Heating costs in winter, due to the colder, wetter climate compared to other parts of Oregon.
- The 9% state income tax rate, which is higher than the national average.
- HOA fees in some neighborhoods, which can add $200 to $400 per month on top of a mortgage.
Do you need a car to live in Milwaukie?
While having a car makes getting around town more convenient, it’s not 100% necessary. Milwaukie has decent public transit and bike lanes. Many neighborhoods are walkable, with grocery stores and other amenities close by.
Are there ways to save money living in Milwaukie?
Taking advantage of Oregon’s lack of sales tax can help keep daily expenses down. Cooking meals at home vs. dining out also saves a lot. Opting for a smaller home or living a few miles outside the town center tends to be more affordable.