In Corvallis, the annual Graand Kinetic Challenge is a Da Vinci–inspired, all-terrain race between human-powered contraptions.

July is a glorious month in Portland. You know where else it’s glorious? Across much of the rest the state. So listen to what’s luring you out of town, whether it’s seabirds in Cannon Beach, hazelnuts in Donald, tin whistle workshops in Corvallis, or chainsaw races in Toledo.


Great Cannon Beach Puffin Watch

TUE–Fri, July 1–4 | Cannon Beach

Puffins! Need we say more? The nonprofit Friends of Haystack Rock sets up birding scopes on the beach near their favorite sea stack from 8–11am each day of the long holiday weekend to give beachgoers a closer look at the breeding colony of birds who make Haystack Rock their home for the spring and summer. The group hopes to raise awareness of threats to the species, who have been returning to Haystack Rock in smaller and smaller numbers in recent years.

The rodeo circuit lights up St. Paul.

St. Paul Rodeo

TUE–Sat, July 1–5 | St. Paul

Oregon has many rodeos. (The most famous, the Pendleton Round-Up, runs Sept 10–13.) This one, in the tiny Willamette Valley town of St. Paul, is under an hour from Portland and draws nearly 1,000 competitors for bull riding, barrel racing, and the like. New as of last year is women’s breakaway roping, in which winning times are less than two (!) seconds.

Newberg Lavender Trail

July 1–31 | Newberg

Lavender lovers convene in Newberg for the Willamette Valley town’s monthlong celebration of the fragrant flower. Numerous U-pick farms allow you to harvest your own sprigs, and local restaurants and shops get in on the action, too, with an abundance of lavender-focused treats on offer, pastries to ice cream to cocktails. Level up July 12 and 13 at the annual (and free) Willamette Valley Lavender Festival & Plein Air Art Show, which features art and craft booths, food trucks, and paintings by artists created “en plein air” during the Northwest Lavender Paint Out.

What else to expect at the Oregon Country Fair? Extravagant costumes, giant puppets, and a tofu palace.

Oregon Country Fair

Fri–Sun, July 11–13 | Veneta

A little hippie, a little woodsy, a little witchy, and a lot Renaissance fair, this very only-in-Oregon weekend campout/concert/party/consciousness-raising circle is now in its sixth decade.

Lost River Bluegrass Festival

Fri–Sun, July 11–13 | Merrill

Bluegrass bands and aficionados descend upon tiny Merrill (population under 1,000), located just a few miles north of the California border, for a family-friendly weekend of picking, camping, and quilting.

Toledo Summer Festival & Logging Show

Fri–SUN, July 11–13 | Toledo

The biggest attraction at Toledo’s summer fest is the logging show, an all-amateur timber skills competition. Think axe throwing and a chainsaw race, with an all-around champion crowned “Bull of the Woods.”

Donald Daze Hazelnut Festival

Sat, July 12 | Donald

Oregon’s state nut gets the star treatment in the Marion County town of Donald. On deck: a parade, a classic car show, live music, and hazelnut treats in abundance.

Oregon Coast Music Festival

July 12–26 | In and Around Coos Bay 

Expect two weeks of music—jazz, orchestral, bluegrass—in stunning coastal locations around Coos Bay, including Mingus Park, the Oregon Institute for Marine Biology, and Shore Acres State Park.

Cathedral Park Jazz Festival

FRi–Sun, July 18–20 | Portland

There’s no better way to take in jazz than in July, on a blanket on the grass, under the swooping arches of the St. Johns Bridge, for free. The venerable fest turns 45 this year; arrive early and leave the umbrellas and tents at home.

Dory Days

FRI–Sun, July 18–20 | Pacific City

The flat-bottomed, beach-launched fishing boats known as dories have been a staple of Pacific City since the early 1900s, and since 1959 they’ve been at the center of a weekend-long fete. Catch them decked out for the parade, this year themed “Christmas in July.” Plus: a fish fry, artisan market, live music, dancing, and holiday-themed kids activities.

FairWell Festival

Fri & Sat, July 18 & 19 | Redmond

Deschutes County Fairgrounds hosts a robust lineup of performers—among them Tyler Childers, Sturgill Simpson, Dwight Yoakam, Sierra Ferrell, and Ludacris (yes, Ludacris)—for a weekend of music and camping.

The annual Tamkaliks Celebration serves as a reunion for descendants of the Nez Perce.

Tamkaliks Celebration

Fri–Sun, July 18–20 | Wallowa

Since its ’90s origins in a school gym, this annual gathering has grown into three days of song and dance that serve as a reunion for descendants of the Nez Perce, the first inhabitants of the area. The event, open to the public, culminates on Sunday in a walasit worship service in the longhouse and a potluck.

Miners Jubilee

Fri–Sun, July 18–20 | Baker City

In the late 1800s, gold turned this Eastern Oregon settlement into a bustling hub; by 1900, it was the third-largest city in the state. This summer fest pays homage to that history, with mining demos and gold panning contests for both kids and adults. A parade, sidewalk fair, and rodeo events round out the weekend.

Graand Kinetic Challenge

Sat & Sun, July 19 & 20 | Corvallis

Human-powered contraptions—very DIY, and decorated in all sorts of fanciful ways—take on an all-terrain course in this two-day race, with prizes awarded for engineering, art, speed, and pageantry.

Nez Perce tribal members host traditional dance contests as part of Chief Joseph Days.

Chief Joseph Days

TUE–Sun, July 22–27 | Joseph

The rodeo is the main event in this annual small-town fest near Wallowa Lake in Eastern Oregon, but there’s also a parade, a junior parade, live music, and a Nez Perce gathering with a Friendship Feast and traditional dance contest.

Corvallis Celtic Festival

Thu–Sun, July 24–27 | Corvallis

This newish fest, now in its third year, puts an emphasis on participation; workshops include Celtic knot-tying and beginning tin whistle. And, of course, lots of live music and dancing, all centered around downtown Corvallis’s Central Park.

Portland World Naked Bike Ride

SAT, July 26 | Portland

Get your body paint ready: After a year’s hiatus, one of the biggest events on the cycling calendar returns. It’s a protest against oil dependence, a celebration of bodies, and a quintessential Portland experience, even if that just means getting stuck waiting for thousands of your naked, smiling neighbors to pass.

 

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border plants

You never get a second chance to make a first impression. It’s good advice in general, but is particularly important when you’re getting ready to sell your home.

To attract homebuyers right off the bat and ensure your property looks like a million bucks, even from the street, curb appeal should be top of mind.

Border plants are one easy and affordable way to boost your curb appeal and get your home off the market in no time. Let’s take a closer look at what border plants are and how you can use them to your advantage.

What are border plants?

Put simply, border plants are shrubs or flowers you plant along the edges of flower beds, walkways, fences, driveways, or other landscape features to define spaces, create structure, and add visual appeal. These plants can be small, like creeping ground covers, or larger shrubs that form living hedges or natural barriers.

“Regardless of size, border plants help highlight specific areas of your yard, drawing positive attention and making your landscape appear more organized and thoughtfully designed,” says Julia Omelchenko, resident botany expert at Plantum, an app designed to simplify plant care.

Border plants can be planted in different parts of your yard, not just along the foundation of your home. You may plant them along fences, along driveways, or even near the trunks of large trees to add pops of color.

“They’re also great for framing patios, surrounding gazebos, highlighting flower beds, or marking the edges of garden paths,” explains Omelchenko.

hydrangeas
These hydrangeas look great in both the back and front yards.HGTV

5 types of border plants and how to care for them

1. Hydrangeas

Hydrangeas thrive in moderate climates and partial shade, making them ideal border plants for the Northeast, Midwest, and Pacific Northwest states.

Hydrangeas are known for their large, showy blooms in shades of blue, pink, purple, and white. Interestingly, the color of some hydrangea species can change depending on soil acidity. For example, their flowers turn blue in acidic soil and pink in alkaline soil.

“The best time to plant hydrangeas is in spring or fall when temperatures are moderate. Hydrangeas typically reach maturity and begin blooming within two to four years,” explains Omelchenko.

Plant them in a location with morning sun, afternoon shade, and well-drained, nutrient-rich soil.

Since hydrangeas love moisture, they need additional deep watering during dry spells.

“Hydrangeas look stunning along fences, property borders, or the sides of the house. Their rounded, lush form and large flowers create a dramatic, luxurious effect that instantly boosts curb appeal,” adds Omelchenko.

2. Lily of the Nile (Agapanthus)

The lily of the Nile is native to South Africa and grows well in warm regions like California, the Southeastern U.S., Texas, and Arizona. This plant’s flowers usually come in rich blue, purple, or white hues. They form lush clusters on top of tall stems, giving them a striking appearance. The best time to plant the lily of the Nile is in spring after the last frost.

“The plant prefers bright sunny spots but can tolerate partial shade in hot climates. It needs well-drained soil and becomes drought-tolerant once established. Water it moderately and avoid overwatering, as too much moisture can cause root rot,” says Omelchenko.

The lily of the Nile looks gorgeous along driveways, garden paths, or near patios. Its vertical lines add height and elegance, making it a great choice for more formal, classic designs. Additionally, its tall, upright blooms contrast beautifully with lower-growing border plants.

3. Holly (Ilex)

The holly is native to Europe, North America, and Asia and ideal for most regions in the U.S. Although it’s well known for its glossy green leaves and bright red berries, this border plant might also feature white or yellow edges, adding extra decorative appeal.

“Holly shrubs are best planted in spring or fall. They grow slowly but eventually form dense, attractive bushes,” says Omelchenko.

These plants require regular watering and should be pruned in late winter or early spring to add shape and control their size.

“The holly is excellent for creating borders along fences, property lines, or around house foundations,” explains Omelchenko.

Lilac in a flower bed give a pop of color to this border walkway.
Lilac in a flower bed give a pop of color to this border walkway. Elenathewise/iStock

4. Lilac (Syringa vulgaris)

The lilac, or Syringa vulgaris, is native to the Balkan Peninsula in Southeast Europe and thrives in cooler climates. Its beautiful spring blooms look their best after a cold winter, which is essential for bud formation.

Lilacs are famous for their pastel shades—lavender, pink, blue, and white—as well as vivid deep purple blooms. They’re also highly prized for their rich, sweet fragrance. Lilac trees attract butterflies and other pollinators. As a bonus, their flowers are excellent for bouquets.

“Plant lilacs in early spring or fall. They typically begin blooming one to two years after planting, and with proper care, lilac bushes last for many years and reliably bloom each spring,” says Omelchenko.

They need at least six hours of sunlight a day and well-drained, slightly alkaline soil. Prune them immediately after flowering to maintain the shape and encourage abundant blooms the following year.

“Lilacs are perfect for planting along fences or garden edges, where you can fully enjoy their scent. Planting them near windows or seating areas, like around a gazebo, is a great idea to allow the springtime fragrance to fill the air,” adds Omelchenko.

5. Black-eyed Susan (Rudbeckia)

The black-eyed Susan is native to North America and adapts to a wide range of climates but prefers sunny locations with well-drained soil. These cheerful flowers resemble daisies, featuring golden-yellow petals with dark brown or nearly black centers.

“The best time to sow the seeds is in spring after the last frost. If sown early, many cultivars will bloom the same year or the following year if planted later. A lot of black-eyed Susan varieties will also readily reseed themselves year after year,” says Omelchenko.

Once established, black-eyed Susans are low-maintenance and drought-tolerant. They thrive in full sun and bloom from midsummer to early fall.

“Black-eyed Susans are excellent for bordering flower beds, driveways, or around mailboxes. Their bright blooms immediately catch the eye and pair well with taller shrubs or ornamental grasses,” explains Omelchenko.

These border plants are also deer-resistant as they do attract butterflies and other pollinators. Thanks to their long blooming period and easy care requirements, black-eyed Susans are popular with both beginners and experienced gardeners alike.

 

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Sticky inflation and high interest rates continue to take a toll on Americans’ wallets. A new Achieve survey found that 1 in 3 consumers say their debt, including mortgages, is “unmanageable” in 2025.

Mortgages still represent the bulk of Americans’ debt, standing at $12.61 trillion as of the fourth quarter of 2024, according to the Federal Reserve Bank of New York.

“That comes to an average of $148,120 per person with a mortgage on their credit report,” according to Lending Tree, which adds that mortgages represent 69.9% of total U.S. consumer debt.

Further underscoring debt challenges, Colton Pace, CEO of the real estate resources website Ownwell, noted that a majority (58%) of Americans said rising homeownership costs are preventing them from making other financial moves, such as saving for retirement or building generational wealth.

A Third of Americans Say Mortgage and Debt Are Unmanageable—They Need These 5 Tips

How to manage your mortgage payments

Fear of mounting more debt is keeping many new homeowners from making the leap.

While the Freddie Mac rate on a 30-year mortgage slightly decreased last week, it remains high, standing at 6.81% as of April 24.

“Affordability remains a challenge as mortgage rates hover near 7%, and home prices have not budged significantly,” says Realtor.com® Senior Economic Research Analyst Hannah Jones.

Mortgages are generally the most significant debt a person owes, and missing a payment can have terrible consequences, including losing your house. Experts recommend several tips to manage your mortgage payments.

1. Make your mortgage payment a top priority

When examining overall finances, it is essential to prioritize necessities, which include shelter, food, and utilities. That includes paying the minimum on any secured debts, like your home (mortgage payment) or car (vehicle loan), advises Kyle Enright, president of lending at Achieve.

If you must choose, Enright encourages paying your housing expense first, keeping in mind the equity return.

2. Stick to a budget

While many people talk about how inflation is impacting their budget, talking about a budget isn’t the same as having one.

“Know exactly what you have coming in and going out. The budget can be simple, with a spreadsheet, an app, or old-fashioned pencil and paper,” Enright adds.

3. Up the emergency fund

Generally, experts agree that saving the equivalent of six to nine months of living expenses is your best bet. However, more couldn’t hurt.

“You can’t control inflation or whether a recession will happen, so the best thing you can do is provide yourself a buffer to be better prepared,” Enright adds.

4. Automate payments

“Automation is always a good starting point for managing any ongoing payments you don’t want to be late on or miss entirely,” says Bobbi Rebell, a CFP and personal finance expert at CardRates.com.

“It is also a good idea to try to pay more on the principal of the loan, and to make sure that the mortgage company applies it correctly,” she adds. “By being more aggressive in reducing the principal amount, you can create significant savings over the lifetime of the mortgage.”

5. Contact your lender

Finally, if you are struggling to make your monthly mortgage payment, contact your lender.

“Most large lenders offer mortgage assistance and payment help you can apply for if you are experiencing a temporary hardship from an unexpected life event such as job loss, illness, or natural disaster,” said John Hummel, east region mortgage manager for U.S. Bank.

Bottom line: Saying something is better than nothing. Hummel notes that the earlier you act, the more options you are likely to have.

Why mortgage debt is a good thing

Not all debt is bad—in fact, mortgages can be a form of good debt.

“The truth is that if you have a low-interest mortgage, it can sometimes make sense to carry the debt, because not only is the interest often tax-deductible, but the freed-up money can be invested for a potentially higher return,” says Rebell.

She adds that a history of on-time mortgage payments is also beneficial to one’s credit score, which can, in turn, save money in other areas.

Finally, there’s the priceless value of owning your home and the security and peace of mind that come with homeownership, she says.

“While homeownership can involve considerable costs, you’re not subject to the whims of a landlord who might raise your rent or decide they no longer want a tenant—leaving you to find a new place to live,” she adds. “With homeownership, you have much more control.”

What is a good debt-to-income ratio for mortgage loans

Michael Santiago, CRPC (chartered retirement planning counselor) and senior financial editor at Annuity.org, says lenders usually prefer a debt-to-income (DTI) ratio on mortgage loans below 36%.

“Typically, a lender will ensure you can handle mortgage payments by looking at your total debt. By keeping your overall debt low, you can secure loans more easily and cheaper,” he adds.

Put simply: The lower the DTI, the better.

A special warning to those using adjustable-rate mortgages

If you have an adjustable-rate mortgage (ARM), your debt could increase with a rise in interest rates, potentially straining your finances further.

Unlike fixed-rate mortgages, an ARM features a variable interest rate that changes over the life of the loan. The fixed-rate period for an ARM typically lasts five, seven, or 10 years, after which the rate begins to adjust.

For example, with a 30-year 5/1 ARM, the borrower has an introductory rate for the first five years. After that, the rate adjusts annually for the remaining 25 years, according to Hummel. With a 30-year 10/6 ARM, the introductory rate lasts for the first 10 years and then adjusts every six months for the following 20 years, he adds.

“With an ARM, the interest rate and monthly payment may start low. However, both can rise quickly. Consider an ARM only if you can afford increases in your monthly payment—even up to the maximum amount,” according to the Consumer Financial Protection Bureau (CFPB).

Lenders use two key factors to calculate an ARM’s new rate: the index and the margin. The index fluctuates based on market conditions.

“If interest rates go up, your payments will go up, so these loans carry future risks that others do not. The lender determines which index your loan will use when you apply, and this generally won’t change after closing,” according to the CFPB.

For instance, the average 5/1 ARM in 2020 had an introductory rate of about 3.29%, according to the Federal Reserve Bank of St. Louis.

“The first adjustment is generally 2% after the initial five years, and then 1% annually thereafter,” says Michelle White, national mortgage expert at The CE Shop, a real estate and mortgage education platform. “That means you’re looking at a rate of around 5.29% this year.”

White explains that homeowners can refer to their closing disclosure, which includes a chart outlining potential payments based on allowable rate adjustments.

“This should give you an idea of what your new payment might be,” she says. “There are times when an ARM can be a beneficial option. For example, if you plan to stay in your home only a short time and will sell before the first adjustment, an ARM loan could be advantageous.”

 

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On a warm Florida day, real estate broker Alex Platt arrived at a Delray Beach home for a listing appointment. The home was spacious, with a smart layout and attractive furniture. But as Platt toured the home, he was surprised—and concerned—by how much clutter was in every room.

“The miscellaneous items scattered throughout made it feel cramped and less appealing,” Platt says.

He told the seller that, before they listed, the home would need to be tidied.

“I gently but firmly explained the importance of decluttering—not only for in-person showings but especially for the professional photos,” he recalls. “I emphasized that buyers usually get the first impression through online photos, and clutter can make even a spacious home feel small and uninviting.”

Indeed, cleaning and decluttering can be one of the easiest, cheapest, and most important home upgrades. With just a few hours and some sorting bags and boxes, a homeowner can give their home a major face-lift—and likely increase their sale price.

So, if you’re looking to sell now, it’s a good idea to schedule a decluttering session—and set aside items you might be able to sell for extra cash. In the end, going through your stuff could help you get a higher price for your current home, as well as fund any additional expenses that come up during closing, like repairs.

Why decluttering is so important

Platt explains that decluttering is an important part of preparing for a home sale.

During his meeting with the Delray Beach homeowner, he says that he pointed out the potential value difference between presenting the home in its best, most polished condition versus its cluttered state.

“I estimated that difference could be around $100,000—or roughly 10% of the home’s value,” he says.

In the end, his client decluttered the home, which made the space look brand-new.

“It felt brighter, more spacious, and much more appealing,” Platt recalls. “The seller was visibly proud of the transformation and all the effort they had put in.”

Three days after listing, they had two offers and ultimately sold the home for the full asking price.

Other real estate professionals agree that a tidy home sells better. A recent survey by StorageUnits.com found that 99% of real estate agents said junk or clutter in and around a home decreases property value. In addition, 76% of the surveyed real estate agents say homes free of clutter will sell at least twice as fast.

Indeed, when it comes time to sell a home, many improvements can help spark interest from buyers. A fresh coat of paint will do wonders. Switching out lighting can be a simple and inexpensive upgrade. Even refreshing the landscaping has been shown to increase a home’s value by up to 28%.

But decluttering can be an easy and cost-effective DIY project—with big results.

How to Declutter Your Home Without Throwing Out All Your Stuff

Top home items to sell for big bucks

You might have a lot of valuable stuff sitting around your house, and once you know what you can part with, the next step is deciding how to sell it.

Garage sales are a classic option. Alternatively, there are sites that will help you sell online. Plus, antiques shops might buy your vintage items.

Brad Stanwick, owner of The Parson’s Nose Antiques in Detroit, says that when people are trying to sell their stuff, it’s important they know roughly how much their items are worth. After all, you wouldn’t want to sell a vase for a couple of bucks only to find out later it’s worth thousands.

“The best way to get something appraised is to bring it to a professional appraiser,” Stanwick says, noting that they usually charge a fee. “Another way is to go to a respected antiques shop or jewelry shop. But keep in mind that if they want to buy it, that might influence their appraisal.”

He adds that most antiques shops don’t want you to bring the piece in, and would rather see photos.

“It’s very easy for them to quickly understand if it’s something that they’re interested in or not from photos,” he says. “This will save you and the dealer time.”

Here are some household items that are worth selling:

Furniture

Many people want to get rid of old furniture and buy new stuff when they move. This is good news for sellers because furniture can be worth big bucks.

Newer pieces can sell well online or at garage sales, but Stanwick says to look for classic pieces, which might be especially valuable to antiques collectors.

He says that “brown furniture,” which refers to pieces made of oak and mahogany, is very desirable.

Pieces from the 18th and 19th centuries are especially valuable, he adds. So think twice before tossing that worn-out rocking chair or end table.

“You’d be surprised at how many of us are living with old pieces of furniture every day and don’t even know it,” Stanwick says.

Floor rugs

Just like old furniture, old floor rugs can be worth a lot. Granted, that old Ikea rug probably isn’t worth much, but an antique piece woven with silk could be worth a fortune.

“Old rugs are making a comeback,” Stanwick says. “Make sure you know what’s lying on your floor before you purge.”

Clothing

While decluttering rooms is important, sellers should also try to lighten their closets. After all, if the closets are crowded, buyers might think storage is a problem in the home.

While some designer pieces or unique vintage items could be worth something online, generally, old clothing will fetch only a few bucks and are perfect for a garage sale.

If you have just a bunch of old T-shirts and kid clothes, price your outfits to sell, or consider setting out disposable bags for shoppers to fill and pricing each bag at $10 or $20. The real value is in how tidy and spacious your closets will look to buyers.

Jewelry

Second-hand costume jewelry can sell surprisingly well at yard sales, but Stanwick advises getting a professional opinion before selling jewelry. Many people inherit jewelry and might not know what a piece is worth.

“Is Aunt Jane’s diamond broach real or only costume?” he asks. “You never know, and experts are very ready to take a look and give you an appraisal.”

Flatware

Stanwick says that people often try to sell old sets of china, silver-plated serving pieces, and old flatware. Generally, these aren’t worth very much.

Regular kitchenware is typically best for the donation pile.

Still, he says there’s always an exception. “Don’t mistake silver-plated serving pieces for sterling silver, which is solid, silver, and worth money,” he says.

Kids’ toys

Quality toys can get attention at a garage sale, especially if they’re still in their original packaging. Lego Duplo and other building sets are a great second-hand buy because they rarely show damage and missing a few pieces (unlike a puzzle) isn’t a big deal. Plus, Lego usually retires sets after a few years, so if you have a set that is rare, collectors will pay top dollar—even if you’re missing a brick or two.

Old DVDs, CDs, records, and gaming consoles

Some rare, limited-edition records could be worth a lot to collectors, and an old Game Boy or Switch might be of interest to gamers. In fact, there is a huge market for “vintage” gaming systems, such as the original Atari, Nintendo, and PlayStation.

But even your basic DVDs and CDs can sell. Garage-sale shoppers tend to be older and might still be using classic systems for their movies and music. If you price them for a dollar and sell only 10, at least that’s $10 more in your pocket and a little less clutter in your house.

Put your money to good use

More than half of real estate agents (55%) believe that junk or clutter in your home “significantly decreases” your property value, according to a recent study by StorageUnits.com.

But another financial to keep in mind as a seller is concessions. Depending on the condition of your house, a buyer might look to you to make repairs before handing over the home, or make concessions due to the state of the place.

To avoid the latter, it’s a good idea to make necessary repairs before showing your home to potential buyers. And now, with some extra cash in your pocket, you can prioritize projects.

For example, most experts agree that a fresh coat of paint, both interior and exterior, can add value to your home with little money out of pocket.

For example, interior painting offers an ROI of around 107%, so spending $8,000 for a fresh coat of paint can add around $16,500 to your home’s resale value, according to Angi data.

 

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Most buyers spend months planning for their down payment—but closing costs? Those can fly under the radar until the very end.

From loan processing to title work to last-minute “surprise” fees, closing costs can add thousands of dollars to the true price of buying a home. And while some charges are spelled out in your paperwork, others can sneak in late in the game—leaving buyers scrambling to come up with more cash than expected.

So how much should you expect to pay in closing costs? What do these fees actually cover? And how can you avoid being blindsided at the closing table? Here’s what to know about the real—and not-so-obvious—cost of closing on a home.

Closing costs and hidden fees

What are closing costs?

Closing costs are the collection of fees and expenses you pay when finalizing a real estate transaction—right at the point when the home becomes officially yours. While many of these costs are related to securing a mortgage, such as loan origination and underwriting fees, others cover necessary services like the appraisal, title search, and legal filings.

The exact number and type of closing costs can vary based on your mortgage type, state and local regulations, and the specific details of the home sale.

How much are closing costs?

Closing costs are typically 2% to 7% of a home’s purchase price. So, on a nationally median-priced home of $449,000, closing costs could range from $8,980 to $31,430.

Both buyers and sellers typically have their own set of closing costs, and who pays for what can be negotiated as part of the purchase agreement.

Keep in mind that closing costs are an additional expense on top of a down payment, which is usually around 10% to 20% of a home’s purchase price and is also due at closing. So, for a nationally median-priced home, buyers could need as much as $53,880 to $121,230 in liquid cash to close the deal.

What’s included in closing costs? A line-by-line breakdown

When you buy a house, you’re not just paying for the property, you’re also paying for the services that facilitate the purchase. You might be surprised to learn about all of the labor that goes into a home sale, and even more shocked to see the sticker price.

Common buyer closing costs:

  • Application fee

  • Appraisal fee

  • Attorney fees

  • Buyer’s agent commission

  • Credit report fee

  • Escrow fees

  • Inspection fee

  • Loan origination fee

  • Prepaid property taxes and homeowners insurance

  • Processing fee

  • Recording fees

  • Title search and insurance

  • Underwriting fee

Common seller closing costs:

  • Attorney fees

  • Mortgage payoff

  • Property taxes

  • Seller’s agent commission

  • Seller concessions

  • Transfer taxes

Are closing costs tax-deductible?

Most closing costs for buyers aren’t tax-deductible, but many of the other costs of homebuying are.

Mortgage interest, discount or mortgage points, and property taxes are all tax-deductible and can lead to huge savings for homebuyers if itemized on their tax returns. These savings can be especially helpful in the first years of homeownership, as homeowners pay a greater amount toward interest in the early years of their mortgage.

New homeowners should consult a tax professional to see if they qualify for any homebuying-related tax deductions.

The hidden and overlooked fees no one tells you about

Even if you’ve reviewed your loan estimate closely, some real estate transactions come with surprise fees that surface only late in the process, sometimes just days before closing.

“Purchasers do have some safeguard under federal disclosure laws, which dictate truthful initial estimates,” says William London of Kimura London & White LLP. “Yet these don’t usually include nonlender fees such as building-related charges.”

Some agents might recommend planning for “buffer” costs—miscellaneous fees not itemized early on—that inflate your final bill. These hidden closing costs can cover myriad expenses, from move-in charges to management fees, and rush expenses for preparing necessary documents.

And then there’s the issue of junk fees—vague or excessive charges (think document prep or processing fees) that are worth questioning. If something doesn’t make sense or seems inflated, ask your lender or agent for a breakdown.

“That’s when it’s especially important to have a proven real estate attorney—we often catch these surprise charges before closing, demand more transparent disclosures, or negotiate them down where possible,” adds London.

Special considerations: Co-ops, condos, and HOAs

If you’re buying into a co-op, condo, or HOA-governed community, be prepared for extra closing costs that don’t typically apply to single-family home purchases.

In a co-op sale, for example, you’ll often need to budget for board application fees, which can range from a few hundred to over a thousand dollars. Some co-ops also charge flip taxes—a percentage of the sale price or profit paid by the seller (and occasionally negotiated with the buyer). Move-in and move-out deposits are also common and may be refundable, but they can still tie up cash in the short term.

Condos and townhomes typically come with HOA transfer fees or document preparation fees, which cover the cost of onboarding a new owner and updating community records. These charges can vary widely depending on the size and management of the association.

In short, if you’re buying into a shared community or managed building, closing costs tend to run higher—and it’s crucial to ask your agent for a full fee schedule upfront to avoid any unwelcome surprises.

What if you can’t afford closing costs?

If closing costs are putting homeownership out of reach, there are several ways to reduce them. One common strategy is to negotiate seller concessions, where the seller agrees to cover part of your closing costs as part of the deal. Another option is to explore lender credits—sometimes called “no closing cost” mortgages—where the lender covers some upfront costs in exchange for a slightly higher interest rate.

First-time homebuyers might also qualify for closing cost assistance programs, which offer grants or low-interest loans to help cover expenses. Each of these options has pros and cons, and the right choice depends on your budget, loan type, and long-term financial goals.

The key is to explore all available resources and work closely with your real estate agent to find the best path forward.

How to prepare for closing without surprises

The best way to avoid sticker shock at closing is to ask early, often, and in writing about all of the costs you’ll be on the hook for at closing—from all the parties involved. Then, run these by your lawyer.

“This is when the value of having a good lawyer shows itself,” says John Zinati of Zinati Kay Barristers & Solicitors. Your lawyer can “argue against unreasonable fees, determine responsibility for last-minute adjustments (say, whether the buyer or seller is responsible for negotiating fuel oil balance or pre-paid maintenance fee), and in some cases, actually halt closing until full disclosures are made.”

But, Zinati warns, “With no legal protection, the buyer is often left with the bad news that surprise charges will just be absorbed so that the deal does not entirely fall apart.”

And no matter how solid your numbers look, it’s wise to keep a financial cushion in your budget. Even in “no closing cost” deals, some expenses may still crop up along the way.

 

For this and related articles, please visit Realtor.com

Ahome inspection can reveal issues that may not only affect the sale of your home, but also give buyers leverage to lower their offer, request repairs—or back out entirely.

To avoid costly surprises, sellers should prepare ahead of time.

Our home inspection checklist will guide you through key steps, so your property is in top shape. This way you’ll be able to pass inspection and potentially make repairs to increase your home’s value in the process.

Home Selling Checklist: 12 Things to Do Before Selling Your House

Initial walkthrough

Before bringing in a professional inspector, homeowners should conduct their own initial walkthrough—both inside and out.

While you’re not expected to be an expert, this gives you the opportunity to identify any obvious issues before the inspector does. You don’t need special credentials to notice a leaky ceiling or recognize that rainwater pooling around the foundation could signal problems.

Take a moment to declutter your home and take care of the outside spaces before you start—a tidy space can helps you spot potential issues more easily.

Exterior

  • Ensure the roof is free of missing or damaged shingles.

  • Inspect the chimney for cracked bricks, and check the condition of the chimney cap.

  • Verify that gutters are clear of debris and free from damage.

  • Check that siding is tight, straight, and in good condition, and ensure stucco is crack-free.

  • Confirm that windows and doors open and close properly, without any cracks.

  • Look for signs of standing water. 

  • Mow the lawn, trim bushes, and remove any weeds.

Interior

The home inspector will also look for major issues like:

  • Sagging, leaky, or cracked ceilings

  • Warped, sagging, or buckling floors

  • Leaning walls

  • Doors that don’t close properly

  • Drafty windows that don’t seal well

  • Leaks under sinks or near any water sources

Give these rooms special attention

Once you’re back inside, give special attention to certain rooms. The kitchen is often the heart of the home and one of the biggest selling points for many homebuyers. It’s a space that buyers are willing to invest in, so ensuring it’s in top shape can make a significant difference.

Check for any signs of wear and tear, such as scratched or stained countertops, chipped tiles, or outdated appliances. If your range has a hood fan, make sure it vents properly to the outside.

If you’re going above and beyond, consider minor upgrades like replacing old hardware or refreshing the cabinets. Fixing certain issues can go a long way in boosting your kitchen’s appeal.

While the basement may not be as frequently used as the kitchen, it’s just as critical when it comes to your home’s overall condition—especially when it comes to foundational issues.

Problems like wet spots or sagging wood structures can be signs of water damage, which could seriously impact the structural integrity of your home.

If basement issues go unnoticed and are discovered later in the home selling process—particularly during negotiations or after you’ve already entered contract talks—it can be a major headache. Structural problems are not only expensive to repair but can also cause buyers to back out or demand price reductions so addressing these issues beforehand is key.

Have questions ready for your agent

What buyers prioritize can vary by location, and a knowledgeable local agent will understand what matters most in your area. For example, having a full bathroom on the first floor might be a big selling point in your neighborhood but not as important in others.

Your agent will also be able to advise you on what needs attention before you start showing your home to prospective buyers. They’ll know which updates or repairs are worth making to maximize your home’s appeal—and just as importantly what you shouldn’t fix so you’re not over-investing in areas that won’t add much value.

Home inspection checklist for sellers

During the inspection, the inspector will be checking for a range of potential issues. To help the process go smoothly, tidy up the house and property.

Start by cleaning up the lawn, trimming overgrown plants, and removing debris from around the property. Inside, declutter surfaces, clear hallways, and make sure areas like the attic, basement, and crawl spaces are easily accessible.

These simple steps can make it easier for the inspector to do their job and keep the inspection focused on identifying any real issues that need attention.

Kitchen

  • Appliances

  • Cabinets

  • Drawers

  • Stove

  • Plumbing (under sink)

  • Flooring

Bathroom

  • Mirrors

  • Sinks

  • Tub/shower

  • Exhaust fan

  • Toilet

  • Caulking/grouting

Basement

  • Plumbing (pipes)

  • HVAC unit

  • Wooden structures

Attic

  • Exhaust and appliance vents

  • Insulation

  • Ventilation (proper airflow, no mold)

  • Wiring

Family room/living room

  • Screens and windows

  • Walls and ceiling

  • Doors and frames

  • Steps/staircase

  • Lighting

  • Electric outlets

  • Thermostat

  • Fireplace

  • Smoke and carbon monoxide detector

Front yard

  • Driveway

  • Walkway

  • Lighting

  • Gutters

  • Garage

  • Lawn

Backyard

  • Fencing

  • Deck/patio

  • Pool

  • Doors

  • Sheds

  • Lawn

 

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Colorful toilets have been popping up everywhere—on social media, design magazines, and in many design-forward homes. But could they be a good addition to your bathroom?

Real estate agent Ebonee Johnikin says she’s seen many houses with colorful toilets in her Mississippi markets, noting that they can be a unique selling point—especially for buyers who love midcentury style and retro charm.

“Features like this can certainly excite buyers who are looking for a home with personality and flair,” she says.

But experts also warn that these trendy toilets likely aren’t a good investment for those looking to sell in the near future. Some predict the colorful additions could actually turn off most buyers—and will likely go out of style faster than you can say “flush.”

Here’s everything to know about the toilet trend.

The history of colorful toilets

While we’ve generally come to accept plain white toilets as the norm, interior designer Alison Giese, founder of Alison Giese Interiors, says the stark white fad came into the picture only 30 or so years ago. In fact, colorful toilets were a staple in U.S. bathrooms for decades before.

“Porcelain fixture colors were popular in the post-World War II 1950s,” she says. “Think pastels: pink, baby blue, butter yellow.”

Later, in the 1960s and 1970s, Giese explains that earthy colors, like goldenrod and olive green, became more popular. By the 1980s and 1990s, black, almond, and biscuit-colored bathroom features were common.

Now, many designers are using colors like teal, green, and peach.

Blue bathroom with blue toilet and sink

Color toilets might not impress future buyers

Giese says that color toilets aren’t for everyone.

“A homebuyer seeing a suite of colorful fixtures in, say, a primary bath, might be off-putting, especially if they don’t like that particular color,” she says.

Alyssa DeBoo, a real estate agent based in San Diego, adds that if you’re planning to sell your house in the next few years, a color toilet probably won’t impress buyers.

Most people want a traditional look and a clean slate, she explains. These trendy toilets are likely “just another weird trend that’ll get old.”

Granted, DeBoo says one colorful toilet won’t be a make-or-break for a buyer. (After all, toilets are fairly cheap and easy to replace.) But if you’ve renovated the whole bathroom to match the potty—with a matching pink shower, pink sink, and pink floor tile, some buyers might be turned off.

At the same time, Johnikin points out that resale value isn’t at the front of mind for many homeowners. With rates and property values high, many can’t afford to move, so many homeowners are renovating for their own taste.

“With many homeowners choosing to stay put, we are seeing a shift toward renovating for comfort and personal joy rather than resale,” she says. “Aging in place or simply making a home feel more ‘you’ could be driving bold design choices—like colorful toilets or statement tile.”

While she says a smart homeowner will always consider resale value, she tells buyers who are planning to stay put that it’s OK to design a space for their specific tastes.

“The best investment is one that makes you love where you live—every single day,” she says. If a colorful toilet will make you love your bathroom, so be it.

Better bathroom investments

Rather than jump on the colorful toilet trend, there are plenty of ways to upgrade and personalize your bathroom in a way that will indeed add value.

“Our clients are asking for designs to incorporate wellness components to their primary baths: steam showers, saunas, floors warmed by radiant heat,” says Giese. “Any of these feel extra-luxurious.”

Still, she says that the upgrades don’t need to be luxe.

“Making sure lighting is balanced and flattering is a great way to upgrade a bathroom,” she says. She also suggests replacing large plate-glass mirrors with single mirrors, which can add decorative interest.

Incorporating a color in the bathroom

If you’re still set on having pretty porcelain in the bathroom—here are some tips for bringing the look to life in your home.

Make the colorful addition look intentional

Some homeowners love color, so a pink or green toilet might seem like a must-have. But experts warn that colorful toilets won’t look natural in just any bathroom: A whole bathroom redo may be in order.

Giese explains that a colorful toilet should seem intentional and ideally, would match or complement the color palette already in the space.

“Historically, you’d see the colorful toilet as part of the suite of fixtures, so the tub and sink were the same color,” she says.

“If I were going to do a colorful toilet, I’d do the whole bath suite and build a design around that color,” Giese explains.

Use color in a secondary bathroom

Giese points out that the color pop doesn’t have to be in the primary bathroom.

She says that if she were designing bathrooms in a home that she knew might be up for sale in the next few years, she’d stick to a simpler, crowd-pleasing look in the primary but might consider using a color toilet in a powder room, which she describes as “a space that can be more design-forward without too much risk.”

Think beyond the toilet

Giese says that while colorful toilets may be on trend, other bathroom features may be a better choice for a pop of pink or green.

“It’s really a personal preference, but if I wanted to inject color in a single fixture, I’d probably make it the tub,” she says.

 

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White River Falls State Park

An old piece of industrial equipment sits by a viewpoint at White River Falls State Park in north-central Oregon. Jamie Hale/The Oregonian

The pair of tall, dramatic waterfalls seem to come out of nowhere, emerging like a mirage from the arid, rolling hills on the eastern flank of Mount Hood.

So do the ruins.

At White River Falls State Park, both the natural and human-created attractions have become big draws for visitors, with trails that lead to the base of the powerful falls as well as to the crumbling walls and rusted pipes of an old hydroelectric plant that has been shuttered for decades.

All of it is contained in a roughly 300-acre park that’s found just off the beaten path and that fewer than 100,000 people visit each year.

White River Falls State Park

White River Falls, seen from a viewpoint near the entrance of the park. Jamie Hale/The Oregonian

White River Falls State Park

The ruins of an old hydroelectric plant rest at the bottom of the falls. Jamie Hale/The Oregonian

White River Falls State Park

An old pipe emerges from the ground, overtaken by brambles. Jamie Hale/The Oregonian

The best time to visit the park is in the full thrust of spring, when snowmelt and rainfall feed the 75-foot White River Falls and the 41-foot Celestial Falls found just downstream. (The latter is sometimes considered to be another tier of White River Falls, but is technically a separate feature.) A viewpoint above the falls offers a great look at the roaring waters, while a trail runs down to some better viewpoints below.

Come summer, the falls’ spray may be a balm to those traveling across central Oregon or around the eastern flank of Mount Hood. The pool at the base of Celestial Falls may be tempting for swimmers, but the Oregon Parks and Recreation Department warns against the “deadly and unpredictable river currents” below the falls.

By fall, the waterfalls can reduce to a trickle, allowing the landscape to grow a little quieter. In winter, the basalt cliffs can become covered in ice, offering visitors a whole other reason to stop by.

The waterfalls aren’t the only draw.

White River Falls State Park

Graffiti covers old machinery inside the ruined hydroelectric plant. Jamie Hale/The Oregonian

White River Falls State Park

People clamber along the rocky cliffs below Celestial Falls. Jamie Hale/The Oregonian

White River Falls State Park

Lower White River Falls is found a short walk from the old hydroelectric plant. Jamie Hale/The Oregonian

Hike the rough trail down toward the base of the falls, and you’ll find people swarming like ants over the remains of the Tygh Valley Hydroelectric Plant, which supplied electricity to Wasco and Sherman counties from 1910 to 1963, according to Oregon State Parks. While listed on the National Register of Historic Places, the old plant can now only be described as ruins.

The roof of the main building, which sits at the foot of Celestial Falls, is partially collapsed. Old equipment inside is covered in graffiti, despite bars on the open windows and big “NO ENTRY” signs. Big, rusted pipes jut out from the ground and run uphill, some graffitied, some obscured by brambles. All of it is slowly crumbling, its foundation and walls returning to the earth.

Take a step back to one of the broader viewpoints, and you might find some beauty in the dichotomy of these two attractions: the fresh flowing waterfalls that bubble with life, and the hard-edged ruins that exude a state of demise.

At the bottom of the canyon, the trail continues on a short way downriver, where the steep cliffs level out into gentle-sloping hills, and sagebrush sprouts out of the black basalt. In just an eighth of a mile, the riverside rock flattens out, making benches that are perfect for a sit by Lower White River Falls, a lovely little 21-foot plunge.

Here, the drama of the big waterfalls and the industrial ruins vanish, leaving you with a quiet place to sit in nature — yet another good reason to visit this little park.

White River Falls State Park is open from dawn to dusk daily, year-round (the main parking lot and restrooms close for the winter); found on Oregon 216, four miles east of U.S. 197; 541-739-2322.

 

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In a May 2024 episode of Peak Northwest, hosts Jamie Hale and Vickie Connor share their favorite summer day trip destinations within a comfortable driving distance from Portland. Here are five takeaways from the conversation, highlighting accessible adventures that don’t require overnight stays or extensive planning.

 

three people walk on the beach toward haystack rock

Haystack Rock at Cannon Beach. Lizzy Acker/The Oregonian

1. Cannon Beach by bus offers a stress-free coastal experience

While Cannon Beach is one of Oregon’s most popular destinations, Hale and Connor recommend taking the bus from Portland’s Union Station instead of driving. This eliminates parking hassles in the notoriously crowded beach town, dropping off visitors just blocks from the beach and within walking distance of restaurants and shops. Hale described his experience as “super easy,” requiring just day bags with snacks, water and beach towels. For dining, they recommend Ecola Seafood for casual seafood, Crepe Neptune for handheld meals (especially the salmon crepe and strawberry dessert crepe), and Sleepy Monk Coffee, which Hale calls his “hands down favorite coffee shop on the coast.”

Breitenbush Hot Springs

A guest relaxes in the warm waters of the Meadow Pools at Breitenbush Hot Springs. Jamie Hale/The Oregonian

2. Breitenbush Hot Springs makes for a rejuvenating day escape

About 2.5 hours from Portland, Breitenbush Hot Springs offers day passes for a rejuvenating day trip. The podcast hosts raved about the food quality, with Hale describing it as “the best buffet I’ve ever had.” The clothing-optional hot springs feature multiple soaking pools of varying temperatures, including newly opened individual bathtub-style soaking tubs and a cold plunge. Day passes, which cost $35 per person, allow access from 9 a.m. to 6 p.m., making it feasible as a day trip. Spring and fall are good times to visit, as the summer heat makes hot springs less appealing.

 

Wilson River Trail Elk Creek

The Wilson River Trail runs through the Tillamook State Forest, between Elk Mountain and Kings Mountain in the Coast Range. Jamie Hale/The Oregonian

3. Tillamook State Forest provides accessible wilderness experiences

For those seeking forest immersion, Tillamook State Forest along Oregon 6 offers numerous options for outdoor recreation. The Wilson River Trail features multiple trailheads with day hikes of varying difficulties, from challenging summit climbs like Kings Mountain and Elk Mountain to gentle riverside walks. Hale notes that by parking at Kings Mountain trailhead but taking the Wilson River Trail instead of the summit route, hikers can find solitude away from crowds. The Tillamook Forest Center provides educational exhibits about forestry and ecosystems, plus a fire lookout tower with forest views. With picnic areas along the Wilson River, the forest makes an ideal escape on hot summer days, especially for those living in Washington County.

 

Hood River Fruit Loop

The sun shines brightly over Mount Hood, seen from the fields of flowers at Draper Girls Country Farm outside Hood River. Jamie Hale/The Oregonian

4. Hood River Fruit Loop delivers agricultural abundance and activities

The Hood River Fruit Loop features farms, orchards, wineries and food stands that showcase the region’s agricultural bounty. While the hosts note it’s impossible to visit every stop in a single day, highlights include Draper Girls Farm for apple picking, Hood River Lavender Farms, Mt View Orchards for wood-fired pizza featuring fresh-picked ingredients, and several fruit stands that offer affordable produce. Connor recommends visiting on weekdays rather than crowded weekends, and suggests exploring during different seasons to experience various crops — berries in early summer, apples and pears in fall. A visit in September resulted in “a trunk full of flowers, fruit, and baked goods” at reasonable prices.

Hiking woman in a blue shirt and black pants walks through rocks and boulders as the sun comes up.

Vickie Connor, video producer at The Oregonian/OregonLive, treks up Mount Saint Helens on August 23, 2022.Courtesy of Sydney Borum

5. Mount St. Helens offers dramatic landscapes just across the Columbia

Despite being in Washington, Mount St. Helens is only about two hours from Portland, making it a good day trip that Hale says Portlanders often overlook. The volcano offers distinct experiences depending on which side you visit — the south side for climbing opportunities and the north side for easier access to trails around the Johnston Ridge Observatory (though the observatory and its trailheads are expected to be closed until 2027). Hale said that seeing “a Cascade Mountain that has blown up so dramatically, so recently” provides a unique experience unavailable elsewhere in the region, encouraging listeners not to let crossing the Columbia River deter them from visiting this remarkable landscape.

Listen to the full Peak Northwest podcast episode that highlights the five day-trip destinations here: https://www.oregonlive.com/podcasts/2025/06/5-easy-day-trips-from-portland-you-need-to-take-this-summer.html