Rent affordability
How much rent can you afford in Eugene, OR?
You need an income of about $46,800 a year to rent a typical 1-bedroom in Eugene under the 30% rule. That apartment rents for about $939 a month in the Eugene-Springfield, OR metro as of August 2026, plus about $231 for utilities, internet, and renters insurance. At Eugene's median household income of $66,562, the rule leaves about $1,433 a month for rent.
- Metro 1-bedroom
- $939 / month
- Income needed
- $46,800 / year
- Housing share
- 21% of gross
- Apartment utilities
- $144 / month
Max rent in Eugene, OR
$1,433/mo
30% of gross income is $1,664 a month. Utilities, internet, and renters insurance take $231, which leaves $1,433 for rent.
A typical 1-bedroom in the Eugene metro rents for about $939, $494 under your max.
- Take-home
- $4,178/moAfter estimated federal tax, state tax, and FICA.
- Move-in cash
- $2,866First month and a one-month deposit, at your max rent.
- Landlord screen
- $1,848/moHighest rent if a landlord wants income of 36× the rent.
Monthly budget
Where take-home pay of $4,178 goes at your max rent of $1,433. Each slice is its share of take-home.
- Rent34%$1,433
- Electric, gas, water4%$144
- Internet2%$74
- Renters insurance<1%$13
- Left over60%$2,514
Housing comes to $1,664 a month, 30% of gross income and 40% of take-home. That leaves $2,514 for food, transportation, savings, and everything else.
Search Eugene, OR
Find 1-bedrooms in Eugene, OR under $1,400
Rounded down from your max rent of $1,433.
What renters in Eugene pay and earn
Of the 76,822 households in Eugene, 52% rent. The median renter household earns $44,447 a year. Median gross rent, which is rent plus utilities across every lease including ones signed years ago, is $1,402 a month. 59% of renters spend 30% or more of income on rent and utilities, and 34% spend half or more.
The Eugene-Springfield, OR metro's 1-bedroom asking rent of $939 is 17% below the $1,132 median gross rent for a 1-bedroom in Eugene, which includes utilities.
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024, for Eugene city, Oregon. See how Eugene compares in the affordability rankings.
Rent in Eugene
Eugene is the main city of the Eugene-Springfield, OR metro. Updated August 2026, -0.5% from a year earlier. The 1-bedroom median moved from $943 in August 2025 to $939 in August 2026. The 2-bedroom median moved from $1,259 in August 2025 to $1,254 in August 2026. Studio and 3-bedroom figures are estimates scaled from the published 1- and 2-bedroom medians.
This series is the metro median from Apartment List, not a single building. brightplace also stores each community's asking rent from daily listing scrapes. That history stays on the property page, because a building's price is not the city median. brightplace lists 41 apartment communities with units available in Eugene, about 2,717 apartments in all. Browse communities in Eugene.
How median rent changed
Each point is the overall median asking rent for one month. The vertical scale runs from the low to the high in this period, not from zero. Percentages on the right are the change since August 2025, marked by the dashed line.
Eugene-Springfield, OR median rent: $1,242 in August 2025 to $1,236 in August 2026, down 0.5%. Low $1,203, high $1,247. 1-bedroom $939 in August 2026. 2-bedroom $1,254 in August 2026.
| Month | Overall | 1-bedroom | 2-bedroom |
|---|---|---|---|
| August 2025 | $1,242 | $943 | $1,259 |
| September 2025 | $1,247 | $947 | $1,264 |
| October 2025 | $1,247 | $947 | $1,265 |
| November 2025 | $1,226 | $931 | $1,243 |
| December 2025 | $1,214 | $922 | $1,231 |
| January 2026 | $1,203 | $914 | $1,220 |
| February 2026 | $1,206 | $916 | $1,223 |
| March 2026 | $1,208 | $917 | $1,224 |
| April 2026 | $1,210 | $919 | $1,227 |
| May 2026 | $1,215 | $923 | $1,232 |
| June 2026 | $1,223 | $929 | $1,240 |
| July 2026 | $1,230 | $934 | $1,247 |
| August 2026 | $1,236 | $939 | $1,254 |
True monthly cost
What a typical apartment costs each month at the metro median rent: rent plus an apartment utility estimate, state-average internet, and state-average renters insurance. Studio and 3-bedroom rents are estimates. Utilities and insurance are estimates, not a quote from a building.
| Cost | Studio | 1-bedroom | 2-bedroom | 3-bedroom |
|---|---|---|---|---|
| Rent | $849 | $939 | $1,254 | $1,781 |
| Utilities (estimate) | $130 | $144 | $211 | $299 |
| Internet (estimate) | $74 | $74 | $74 | $74 |
| Renters insurance (estimate) | $13 | $13 | $13 | $13 |
| Total | $1,066 | $1,170 | $1,552 | $2,167 |
The household utility median in Eugene is $336 a month. Apartment bills are lower than that all-household figure, so the estimate scales a national apartment baseline instead of using it directly.
Take-home pay and max rent
Single filer, standard deduction, estimated Oregon income tax and FICA. Max rent is 30% of gross minus about $231 a month for 1-bedroom utilities, internet, and renters insurance. The landlord column is the highest rent when a landlord wants income of 36× the rent.
| Gross income | Take-home / month | Max rent | Landlord screen |
|---|---|---|---|
| $40,000 | $2,594 | $769 | $1,111 |
| $60,000 | $3,787 | $1,269 | $1,666 |
| $80,000 | $4,868 | $1,769 | $2,222 |
| $100,000 | $5,895 | $2,269 | $2,777 |
Rent versus buying in the metro
A monthly ownership cost is not published for Eugene-Springfield, OR. The metro's price-to-income ratio is 6.13. The ratio was down 4.7% from a year earlier. Over five years it was up 3.4%. This is a metro-level comparison from Harvard's Joint Center for Housing Studies, not a payment on a specific house.
Household income in Eugene
The calculator starts from Eugene's median household income of $66,562 (±$2,212), the Census Bureau's 2020–2024 estimate for Eugene city, Oregon. The 5-year series is the one the Census publishes for every city. The 1-year figures below are newer but cover only larger areas. The U.S. Census Bureau's 2024 American Community Survey 1-year estimates put median household income at $85,220 in Oregon (up 3.3% from 2023).
Household utility bills in Oregon
These are typical monthly bills for all household types in Oregon, not an apartment quote. The rent calculator uses a smaller apartment estimate for electricity, gas, water, sewer, and trash, plus the internet row. The all-household core of those housing bills is $504 a month.
| Bill | Monthly |
|---|---|
| Electricity | $129 |
| Natural gas | $79 |
| Water | $97 |
| Sewer | $134 |
| Trash | $65 |
| Internet | $74 |
Nearby and similar cities
In brightplace's rent affordability rankings, the Eugene metro is 72 of 218: a typical 1-bedroom with utilities takes 32% of the median renter household's income in Eugene.
Questions about renting in Eugene
How much rent can I afford in Eugene, OR?
Keep rent, utilities, internet, and renters insurance within 30% of gross income. At Eugene's median household income of $66,562, that leaves about $1,433 a month for rent. A typical 1-bedroom in the Eugene-Springfield, OR metro rents for about $939 as of August 2026, and the other costs add about $231, so it calls for about $46,800 a year.
What salary do you need to live in Eugene?
To keep a typical 1-bedroom within 30% of gross income in Eugene, you need about $46,800 a year: $939 in rent plus about $231 for utilities, internet, and renters insurance. A 2-bedroom at the metro median of $1,254 needs about $62,080. The median renter household in Eugene earns $44,447 a year, per Census estimates for 2020–2024.
How much rent can I afford on $60,000 a year in Eugene?
On $60,000 a year, the 30% rule allows $1,500 a month for housing. After about $231 for utilities, internet, and renters insurance, that leaves about $1,269 for rent, $330 more than the $939 typical 1-bedroom in the Eugene-Springfield, OR metro. A single filer in Oregon takes home about $3,787 a month after estimated federal and Oregon income tax and FICA. This is an estimate, not tax advice.
What income do landlords require in Eugene?
Many landlords in Oregon screen for gross annual income of about 36 times the monthly rent, the same as three times the rent each month. For a $939 1-bedroom, that is about $33,804 a year. Requirements vary by building, so check the listing before paying an application fee.
What is the average rent in Eugene?
In the Eugene-Springfield, OR metro, which includes Eugene, OR, estimated median rent as of August 2026 is $1,236 overall, $939 for a 1-bedroom, $1,254 for a 2-bedroom. Overall rent is -0.5% from a year earlier. The Census Bureau's 2020–2024 median gross rent in Eugene, which counts utilities and leases signed years ago, is $1,402 a month.
How much are utilities for an apartment in Eugene?
A 1-bedroom apartment in Eugene, OR is estimated at about $144 a month for electricity, gas, and water, before internet. That scales a national apartment baseline by the local household utility median of $336. Actual bills depend on the building, what the lease includes, and how much you use.
Methodology and sources
Updated . Max rent is 30% of gross monthly income minus estimated utilities, internet, renters insurance, and any fees you enter. If you enter other bills, max rent also keeps housing plus those bills within 36% of gross income, a debt-to-income ratio lenders generally consider good. Federal tax uses 2026 brackets and the standard deduction. State tax uses 2025 single-filer brackets on gross income; married thresholds are doubled. FICA includes Social Security up to the 2026 wage base and Additional Medicare Tax. None of this is tax, legal, or housing advice. Read the financial disclosure.
- Apartment List Rent Estimates, August 2026 release
- IRS tax year 2026 brackets and standard deduction, including One Big Beautiful Bill adjustments
- Tax Foundation, 2025 State Individual Income Tax Rates and Brackets
- Insurance Information Institute and NAIC, 2025 homeowners and renters insurance data
- doxoINSIGHTS 2025 U.S. Utilities Market Size and Household Spending Report
- brightplace apartment utility reference (national baselines by unit size)
- HUD cost-burden thresholds and common landlord income screens
- U.S. Census Bureau, 2024 American Community Survey 1-year estimates (ACSBR-025)
- Compiled from public utility cost surveys and bill-pay data, 2025
- Harvard Joint Center for Housing Studies, State of the Nation's Housing 2026
- U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B19013, B25003, B25031, B25064, B25070, and B25119)