What You’ll Pay in Property Taxes in Milwaukie
Property taxes in Milwaukie are generally in line with the state average, typically falling between 0.8%–1.2% annually. The exact rate depends on your home’s assessed value and the current millage rate set by local authorities. In 2025, the typical property tax rate in Milwaukie is around 0.95%.
| Home Value | Annual Property Tax (0.95%) |
|---|---|
| $250,000 | $2,375 |
| $400,000 | $3,800 |
| $600,000 | $5,700 |
These annual taxes are typically split into monthly payments that are rolled into your mortgage. For a $400,000 home, that breaks down to about $316 per month. It’s important to factor this ongoing expense into your housing budget when considering a move to Milwaukie.
How HOA Fees Work in Milwaukie
Many neighborhoods in Milwaukie have a Homeowners Association (HOA) that collects monthly fees to cover shared expenses and maintain community standards. These fees are in addition to your mortgage and property taxes. Typical services and amenities covered by HOA fees include:
- Trash collection
- Landscaping of common areas
- Community pool or fitness center access
- Clubhouse usage for events
- Exterior maintenance of townhomes or condos
- Neighborhood security patrols
The range of inclusions varies by community. In Milwaukie, HOAs often provide irrigation services or xeriscaping assistance to help homeowners minimize water usage in the summer months. When touring a home, be sure to ask for a breakdown of what the monthly HOA fee covers.
Typical Monthly HOA Costs
In Milwaukie, HOA fees typically range from $70 to $200 per month. Neighborhoods with fewer amenities tend to have lower HOA fees, like $70–$120/month. For communities with extensive landscaping, a pool, and a clubhouse, $150–$200/month is more common.
| Neighborhood Type | Typical Monthly HOA Fee |
|---|---|
| Low-amenity community | $70 – $120 |
| Average suburban development | $100 – $175 |
| Luxury or amenity-rich community | $150 – $200+ |
| Example: $295k home with 0.8% tax + $150 HOA | $345 per month |
Keep in mind, HOA fees are subject to change over time as the cost of services increases or the community’s needs evolve. Read your HOA bylaws carefully to understand how fee adjustments are calculated and communicated to homeowners.
Hidden or Seasonal Fees to Expect
Beyond monthly taxes and HOA dues, Milwaukie homeowners should anticipate some hidden costs locals often face, such as:
- Permit fees for renovation projects
- Bulk item disposal or electronic waste recycling fees
- Irrigation surcharges during summer (can add $20-$50/month)
- Annual HVAC maintenance and inspection
- Pest control treatments for ants, wasps, or rodents
Some of these costs are one-time expenses, while others are seasonal. For example, many Milwaukie neighborhoods charge higher water rates in the summer to offset the cost of irrigation. Be sure to ask your real estate agent about any community-specific fees to expect throughout the year.
Are These Costs Worth It?
While no one enjoys paying taxes and fees, Milwaukie residents generally feel they get good value in return. Well-managed HOAs help protect property values by enforcing community standards and maintaining shared spaces. Amenities like pools, parks, and fitness centers provide recreational value for all ages.
Of course, HOA living isn’t for everyone. Some homeowners prefer the freedom and independence of a non-HOA neighborhood. In Milwaukie, housing costs are only part of the equation. Consider your lifestyle priorities and budget carefully when weighing the pros and cons of an HOA home versus a standalone property.
FAQs About Property Tax and HOA in Milwaukie
How much is the average HOA in Milwaukie?
Most Milwaukie homeowners pay between $70 and $200 per month in HOA fees. Exact costs vary by community and amenities.
Can your HOA fees increase?
Yes, HOA fees can increase over time to keep up with inflation, vendor pricing, and evolving community needs. Read your HOA bylaws to understand how fee adjustments are determined and communicated.
Do you pay both property tax and HOA?
Yes, property taxes and HOA fees are separate expenses. Property taxes fund public services like schools and road maintenance, while HOA fees cover neighborhood-specific amenities and upkeep.
How do property tax rates compare between neighboring cities?
Milwaukie’s property tax rates are similar to other Portland metro area communities. Rates in Oregon City and Happy Valley are also around 0.8% – 1.2% of assessed value.
Is an HOA fee worth it for new homeowners?
It depends on your budget, lifestyle, and home-buying goals. HOAs provide valuable amenities and help protect property values, but they also come with monthly fees and some restrictions. Weigh the tradeoffs carefully.
Final Cost Insights for Milwaukie Homeowners
Buying a home in Milwaukie means budgeting for both property taxes (typically 0.8% – 1.2% of home value) and HOA fees (usually $70 – $200 per month). These costs can add up, but they also provide value in terms of community amenities, property upkeep, and home value protection.
When touring homes, ask to review the HOA bylaws and fee schedule. Consider how the monthly cost fits your budget and whether the amenities align with your lifestyle. Don’t forget to factor in seasonal expenses like irrigation surcharges and occasional fees for renovation permits or bulk item disposal.
Ultimately, choosing an HOA comes down to your personal preferences and long-term goals. For many Milwaukie residents, the convenience and community benefits are well worth the added cost. As with any financial decision, it’s important to crunch the numbers and plan ahead for ongoing homeownership expenses.