Eugene: The Data Profile (2026)

Population: 177,900 defines Eugene as a "smaller city" demographic, distinct from major metropolitan hubs. The economic baseline reveals a significant disparity: the Median Income: $65,663 trails the national average by -12.0% (US: $74,580). However, the city compensates with a highly educated workforce, boasting 43.4% college-educated residents compared to the US average of 33.1%.

The statistical target demographic is the "educated budget-conscious" remote worker. This profile fits individuals earning near the national median who prioritize lower variable costs (groceries, utilities) and lifestyle amenities over maximum salary potential. The high education density suggests a competitive environment for local professional roles, driving the wage suppression observed in the median data.

Cost of Living Analysis

Disposable Income Analysis:
With a median household income of $65,663, the post-tax monthly take-home pay averages approximately $4,980. A single renter faces a cost basis of $3,209, leaving $1,771 in disposable income. For a family of 4 earning the median, the math is tighter: $7,125 in costs against $4,980 income results in a deficit, requiring a secondary income or a household income significantly above the $65,663 median (closer to $100,000) to maintain solvency.

Housing Market Deep Dive

Buy vs. Rent Analysis:
Eugene presents a classic "High Buy, Low Rent" paradox. While the Housing Index sits at 108.0, indicating above-average costs, the rental market is -15.6% cheaper than the national average. Buying a home requires a premium of 15.5% over the US baseline. The Price-to-Rent ratio favors renting heavily. For a median earner, the monthly mortgage payment on a $485,000 home (with 20% down) would exceed $2,800, whereas renting a comparable unit costs $2,200. Data suggests renting is the financially optimal move in the 2026 market cycle.

Economic & Job Market Outlook

The post-remote work (RTO) landscape has impacted Eugene's connectivity. While local commute times average 21 minutes (below the US 27 minutes), the Unemployment Rate: 5.2% is notably higher than the US average of 4.0%. This +1.2% gap indicates a softer labor market, likely driven by the region's reliance on education and healthcare sectors rather than high-growth tech.

However, the Electricity rate of 14.7 cents/kWh (US avg: 16.0 cents) offers a -8.1% savings on utility overhead for remote workers, partially offsetting the lower median income. Industry stability is anchored by the University of Oregon and PeaceHealth, providing recession-resistant employment, though high-paying private sector roles remain scarce.

Quality of Life Audit

Safety Analysis:
Eugene experiences a split risk profile. Violent Crime is controlled at 345/100k (US: 380/100k), rating AVERAGE. However, Property Crime is a statistical outlier at 3,234/100k, which is 61.7% higher than the US average of 2,000/100k. Residents must account for a high probability of vehicle or property theft.

Air Quality & Weather:
The region excels in environmental metrics. The AQI Average of 44 and PM2.5 level of 6.0 µg/m³ are significantly cleaner than national norms. Current weather reflects the "mostly cloudy" norm: 36.0°F low and 53.0°F high.

Schools:
The 43.4% college education rate drives strong public school performance, with graduation rates hovering near 82%, supported by a tax base that prioritizes education over infrastructure.

The Verdict

Pros:

• Rental Value: Rent is -15.6% below the national average, offering significant monthly savings.
• Environment: Excellent air quality (AQI 44) and low smoking rates (11.9%) support long-term health.
• Education: A highly educated populace (43.4%) creates a culturally rich environment.

Cons:

• Income vs. Cost: Median income ($65,663) is -12.0% lower than the US, while home prices are +15.5% higher.
• Property Crime: A property crime rate of 3,234/100k is dangerously high.
• Unemployment: The 5.2% rate signals a competitive, difficult job market for local roles.

Recommendation:
Rent, Do Not Buy. The data is unambiguous. The housing market premium ($485,000 median) is unsustainable relative to local wages. Eugene is a viable relocation target only for remote workers earning a US-average salary or higher, allowing them to exploit the lower rental costs while avoiding the predatory purchase market. For local earners, the +8.0% housing index creates a significant affordability crunch.

FAQs

1. What salary is needed to live comfortably in Eugene?
For a single person, a salary of $65,000 provides comfort, aligning with the median income. For a family, you need to target $95,000 - $100,000 to offset the +15.5% home price premium and maintain a healthy savings rate.

2. How does Eugene's value compare to Portland?
Eugene is roughly -8.0% cheaper overall than Portland, driven largely by -15.6% lower rents. However, Eugene's wages are -12.0% lower, meaning the "value" is negated unless you bring outside income.

3. Is the property crime rate a dealbreaker?
It is a major concern. At 3,234/100k, you are 61.7% more likely to experience property theft than the US average. Comprehensive insurance and secure parking are mandatory, not optional.

4. When is the best time to relocate?
Data suggests October to December. Rental inventory increases post-University of Oregon summer session, often dropping rates by 5-8% below the annual average. Weather is wet, but competition is lower.