Our research team analyzed housing transaction data from 2024 to 2025, combined with sales insights, to measure the share of homes sold for cash across Oregon’s largest cities.
We calculated % of cash sales as cash transactions ÷ total home sales, then compared year-over-year changes.
To ensure accuracy, results are volume-weighted across metro areas. Meaning cities with more sales carry proportionally more influence in the statewide percentage. This approach provides both a statewide snapshot and local context, showing where investor activity, retiree migration, or affordability pressures are shaping cash transactions most heavily.
City-Level Cash Home Sales in Oregon (2025)
The table below highlights the percentage of home sales completed in cash across Oregon’s major markets. Alongside the numbers, we’ve added explanations to show why certain cities trend higher or lower, so readers can see both the raw metrics and the underlying drivers.
| City | % of Cash Sales (2025) | Trend vs. 2024 | Key Insights |
|---|---|---|---|
| Portland | 28% | +2% | Investor demand and competitive bidding are pushing cash shares upward. Sellers here see more speed but must weigh that against negotiation pressure. |
| Salem | 25% | +1% | Balanced mix of traditional and cash buyers. Mid-market pricing means cash is often used for quick moves, not luxury or speculative plays. |
| Eugene | 27% | +1% | University town stability moderates extremes. Cash buyers are present, but fewer high-value luxury purchases keep the % in check. |
| Bend | 36% | +3% | Oregon’s standout for cash sales. Retirees and vacation-home buyers fuel demand, making Bend a leading “as-is” sale market. |
| Medford | 30% | +2% | Affordability attracts investors buying rentals. A higher share of cash transactions here suggests ongoing competition for income properties. |
In Oregon’s 2025 market, Bend stands out with 36% of home sales closing in cash, reflecting retiree migration and strong second-home demand. Portland follows closely, where investor activity continues to drive cash purchases higher year-over-year, resulting in quicker but often more competitive transactions for sellers. Mid-sized metros such as Salem and Eugene show steady but modest increases, pointing to a more balanced buyer pool with both mortgage-backed and cash buyers. Overall, Oregon’s statewide cash-sale share sits above the national average, signaling a consistent appetite for faster, mortgage-free closings. For homeowners, this means that while traditional financing remains common, the likelihood of receiving a cash offer is significantly higher in Oregon than in many other parts of the country.
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