Gearhart, Clatsop County, Oregon Property Taxes
Property Taxes in Gearhart, Oregon
Median Gearhart, Oregon effective property tax rate: 0.57%, significantly lower than the national median of 1.02%, and lower than the Oregon state median of 0.87%.
Median Gearhart, Oregon home value: $975,305
Median annual Gearhart, Oregon tax bill: $5,220, $2,820 higher than the national median property tax bill of $2,400.
How are property taxes in Clatsop calculated?
Property taxes in Gearhart, Oregon are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Gearhart's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Gearhart, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Gearhart, Clatsop County, Oregon Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.57%
Estimate Property Tax Bill
$5,559
$5,159
How Does the Gearhart Property Tax Calculator Work?
Use this Gearhart property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Gearhart's median effective tax rate of 0.57% — based on actual property records in Clatsop County — to generate your estimate.
Enter your property's estimated assessed value — the figure used to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Gearhart's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Gearhart: rates are 0.57% in 97138, primarily due to differences in school district levies and local assessment districts. That is lower than the 0.87% Oregon median property tax rate and below the 1.02% national median property tax rate.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Gearhart.
About Gearhart Property Taxes
About Property Taxes in Gearhart, Clatsop, Oregon
Gearhart's median effective property tax rate of 0.57% is lower than the Oregon state median of 0.87% and lower than the national median of 1.02%. This rate reflects the Clatsop County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Gearhart. Homeowners in the 97138 ZIP code carry a median effective rate of 0.57%, while those in the lowest ZIP also pay 0.57%. This spread reflects how school district boundaries and local assessment districts are drawn across Clatsop County. Understanding which part of Gearhart you live in can make a meaningful difference to your annual tax bill.
Gearhart homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the December 31, 2025 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Gearhart, Clatsop County, Oregon
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Gearhart's effective property tax rate to other cities in Oregon and the median property tax rates in Oregon and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Gearhart Tax Rate
0.57%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Clatsop County Tax Rate
0.65%
Median Effective Oregon Tax Rate
0.87%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Gearhart, Clatsop County, Oregon
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 97138 | 0.44% | 0.51% | 0.57% | 0.61% | 0.66% |
Source: Ownwell
Property Tax Assessment Values Across Gearhart, Clatsop County, Oregon
When examining property taxes in Gearhart, Oregon, understanding the distinction between "market value" and "assessed value" is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Clatsop County appraisal district estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Clatsop County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of October.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. The median home price in Gearhart is $975,305, with tax bills ranging from $3,912 at the 25th percentile to $10,738 at the 90th percentile. The median property tax bill is $5,220, compared with the national median property tax bill of $2,400.
Property Tax Assessment Values Across Gearhart, Clatsop County, Oregon
Source: Ownwell
$314,684
$644,995
$975,305
Median Gearhart Market Value
$975,305
Median Clatsop County Market Value
$508,644
Median Oregon Market Value
$450,850
Median United States Market Value
$235,294
Property Tax Assessment Values Across Gearhart, Clatsop County, Oregon
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 97138 | $443,661 | $666,850 | $975,305 | $1,206,898 | $1,658,192 |
Source: Ownwell
Property Tax Bills Across Gearhart, Clatsop County, Oregon
Property tax bills in Gearhart are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. For homeowners, that means the tax bill is tied to both the value of the home and the tax rates set by local taxing authorities in Clatsop County. With a median home price of $975,305, property taxes can be a meaningful part of ownership costs.
In Gearhart, the 25th percentile tax bill is $3,912, while the 75th percentile tax bill is $6,813. The 90th percentile reaches $10,738, showing how higher-value homes can face much larger bills. The median tax bill is $5,220, which is well above the national median property tax bill of $2,400 and also above the national median property tax rate of 1.02%. For homeowners, this can affect monthly budgeting, long-term affordability, and the overall cost of living in the city.
Median Gearhart Tax Bill
$5,220
Median Clatsop County Tax Bill
$3,352
Median Oregon Tax Bill
$3,806
Median United States Tax Bill
$2,400
Property Tax Bills Across Gearhart, Clatsop County, Oregon
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 97138 | $2,696 | $3,912 | $5,220 | $6,813 | $10,738 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | December 31 |
Links | |
|---|---|
| Clatsop Tax Assessor | |
| Website | apps.clatsopcounty.gov |