97107 Property Tax Rate
Bay City, Oregon · Part of Tillamook County
Effective Tax Rate
0.52%
40.7% below state avgMedian Annual Tax
$1,775
$148/mo escrow
Estimate Your Tax
Annual Tax
$1,775
Monthly
$148
Eff. Rate
0.52%
Buyer decision brief
What ZIP 97107 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$148/mo
Based on median annual tax paid
State context
0.22 percentage points below the Oregon average
Oregon average: 0.74%
Data confidence
High confidenceThe Census margin of error is $229, about 13% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Tillamook County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 97107 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$229 tax MOE, 13% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County context only
Tillamook County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 97107
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $342,000, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.52%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Oregon and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $148 per month before insurance, HOA dues, or special assessments.
Assessor verification
Tillamook County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 97107 Compares
Median Annual Property Tax
ZIP 97107
0.52%
Effective rate
Oregon Avg
0.74%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Oregon
Lower than 88% of ZIP codes in Oregon(12th percentile, 373 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 97107
Property owners in ZIP code 97107 (Bay City, Oregon) pay a median of $1,775/year in property taxes on homes valued at $342,000. This translates to an effective tax rate of 0.52%, which is 30% below the Oregon state average of 0.74%.
The monthly property tax burden for a median-valued home in 97107 is approximately $148, which factors into escrow payments on mortgages. This ZIP code is located within Tillamook County. This is $1,220 less than the Oregon average of $2,995/year.
Compared to similar ZIP codes in Oregon, 97107 has higher property taxes. ZIP codes with similar effective rates include 97041 (0.52%) and 97876 (0.52%).
In Bay City, property taxes represent approximately 2.5% of the median household income of $70,804, providing context for the relative tax burden on homeowners in this area.
If you're considering purchasing a home in 97107, keep in mind that property taxes are based on the assessed value assigned by the local assessor, which may differ from the purchase price. In some states, properties are reassessed at or near the sale price upon transfer of ownership. For the most current tax information for a specific property, consult Tillamook County's tax assessor directly.
Frequently Asked Questions
What is the property tax rate in ZIP code 97107?
How much are property taxes in Bay City, OR (97107)?
How does ZIP 97107 compare to the Oregon average?
What is the median home value in ZIP 97107?
What county is ZIP code 97107 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$229. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 97107 is part of Tillamook County, Oregon. View the full county profile for broader context and more data.
View Tillamook County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 97107
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
97108
Beaver, OR
0.04 percentage points lower than ZIP 97107.
Rate
0.48%
Tax
$2,235
Quality
77
97736
Frenchglen, OR
0.29 percentage points lower than ZIP 97107.
Rate
0.23%
Tax
$2,500
Quality
71
97034
Lake Oswego, OR
$653,900 higher median home value than ZIP 97107.
Rate
0.93%
Tax
$9,223
Quality
89
97210
Portland, OR
$649,500 higher median home value than ZIP 97107.
Rate
1.01%
Tax
$10,001
Quality
82
97703
Bend, OR
$573,900 higher median home value than ZIP 97107.
Rate
0.61%
Tax
$5,569
Quality
89
97212
Portland, OR
$482,800 higher median home value than ZIP 97107.
Rate
0.99%
Tax
$8,132
Quality
94
97232
Portland, OR
$459,300 higher median home value than ZIP 97107.
Rate
1.00%
Tax
$8,035
Quality
94
97231
Portland, OR
$453,100 higher median home value than ZIP 97107.
Rate
0.87%
Tax
$6,905
Quality
94
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.