Buying a Home When Rates Are High

Buying a Home When Rates Are High 10 Ways Newport Buyers Can Lower Their Costs This Fall

Please note: This article is general information about buying a home. It is not lending, tax, or legal advice. Loan rules, rates, and program terms change, and every lender prices loans differently. Confirm the details for your own situation with a licensed mortgage professional before you make an offer.

Mortgage rates have climbed fast this fall. On October 7, 2026, Bankrate's national average for a 30-year fixed loan was 7.52 percent, and Mortgage News Daily's index sat at 7.56 percent. Mortgage News Daily describes that level as near the highest since 2003. A year ago, Freddie Mac's weekly survey had the 30-year rate at 6.34 percent. For buyers in…

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New Listing! 111 NW 58th Street, Newport, Oregon

New Listing!

111 NW 58th Street in Newport, Oregon is listed at $469,000. This 4 bedroom, 1 bath single family home is in Agate Beach, in the North Avenue subdivision, a few blocks from the beach. It has 1,515 square feet on a 0.20 acre lot and was built in 1948. Recent upgrades include new HardiePlank siding, vinyl windows, and a remodeled bathroom. The listing is MLS 26-2637.

Property Details

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Price Reduction! 455 SE Scenic Loop, Newport, Oregon

Price Reduction!

455 SE Scenic Loop, Newport, OR 97365 is now offered at $1,050,000, reduced $50,000 from the previous price of $1,100,000. This contemporary single family residence sits on two lots in the Yaquina Knoll subdivision. It has 3 bedrooms, 4 full baths, and 2,765 square feet, with views of the bay, the bridge, and the ocean.

Property Details

Reverse Floor Plan and Parking

The home…

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New Listing! 440 N Bay Street, Waldport, Oregon

New Listing!

440 N Bay Street in Waldport, Oregon is listed at $379,000. This 2 bedroom, 2 bath manufactured home on land is in the Ruble's to Waldport subdivision, with 1,134 square feet on a 0.11 acre city lot. It was built in 2022 as an Energy Star Palm Harbor home, and the property includes an insulated 20 by 24 shop and room for RV parking. The listing is MLS 26-2576.

Property Details

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Yachats vs Waldport vs Newport

Yachats vs Waldport vs Newport Three towns, 23 miles apart, and what each one asks of a buyer

Buyers moving to the central Oregon Coast usually end up choosing between the same three towns. Yachats, Waldport, and Newport sit along 23 miles of US 101 in Lincoln County. They share a highway, a weather pattern, and a school district. Almost nothing else about them lines up. This guide compares the three for someone deciding where to live, using every listing still available on September 22, 2026. It splits the houses by property type, which is the only way the prices mean anything.

One median per town hides more than it shows

Quote the middle asking price in each town and you get $786,250 in Yachats, $549,000 in Newport, and $499,000 in Waldport.…

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New Listing! 3835 Summit Ridge Circle, Depoe Bay, Oregon

New Listing!

3835 Summit Ridge Circle in Depoe Bay, Oregon is on the market at $485,000. The home sits in the Summit Ridge PUD subdivision and offers 3 bedrooms, 2 bathrooms, and 1,566 square feet on a 0.15 acre lot. Built in 2004, it is a contemporary style manufactured home on land, listed as MLS 26-2471. The property is in the Lincoln Beach area, a five minute drive from Depoe Bay or Salishan Golf Resort and a five minute walk to a beach access.

Property Details

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Moving to Yachats, Oregon

Moving to Yachats, Oregon What year-round life here actually asks of you

Yachats is an easy town to love on a long weekend. Living here through a wet February is a different question, and it is the one worth answering before you buy. This guide covers year-round life in Yachats, the small town on US 101 in southern Lincoln County, as of September 2026. It covers who lives here full time and how far the drives run. It maps the nearest clinic, hospital, and schools. It looks at what winter asks of a house, and at what the market holds for a buyer who needs a place to live rather than a place to visit.

Who lives in Yachats year round

Yachats is small. Portland State University's Population Research Center certified the city at 1,010 residents as…

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New Listing! 6039 S Bay Road, Toledo, Oregon

New Listing!

6039 S Bay Road in Toledo is a single family home on the Yaquina River, offered at $570,000. Built in 2012, it carries three bedrooms, two full baths, and 1,493 square feet on a 1.86 acre lot with river frontage. The floor plan is open and the ceilings are vaulted. Views of the river are panoramic. A detached two car garage with a finished studio sits on the property, and the home is offered furnished.

Property Details

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Renting vs Buying in Lincoln County

Renting vs Buying in Lincoln County What Changed in the Last Twelve Months

Rent went up. Home values did not. That is the short version of the past year in Lincoln County, Oregon. As of September 2026, a two-bedroom rental here carries a HUD Fair Market Rent of $1,480, up 11.9 percent from a year ago. Over the same stretch, RPR's model value for a Lincoln County home slipped 2.5 percent. If you have been sitting on the rent-or-buy question since last fall, the two sides of it moved in opposite directions, and the math reads differently now.

Where the Lincoln County Market Sits Right Now

RPR, short for Realtors Property Resource, is the data service most Oregon brokers use for market statistics. It pulls from MLS records and public records. For…

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New Listing! 724 SE 44th Street, Newport, Oregon

New Listing!

724 SE 44th Street in Newport, Oregon is newly listed at $549,000. The home sits in the Wilder subdivision and offers 3 bedrooms, 2 bathrooms, and 1,475 square feet on a 0.11 acre corner lot. It was built in 2023 and is classified in the MLS as a single family residence, traditional style.

Property Details

About 724 SE 44th Street

Built in 2023, this nearly 1,500 square foot home…

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