Salary Needed to Live in Medford as a Family
A family of four (2 adults, 2 children) needs approximately $134,793/year to live comfortably in Medford, OR, including 15% savings.
Direct Answer
A family with kids needs about $134,793/year to live comfortably in Medford, OR. The bare-minimum salary is $107,096/year, but the comfortable figure includes a 15% savings target and a monthly after-tax budget of $7,962.
The minimum scenario leaves about $6,515/mo after tax and no planned savings. The comfortable scenario uses $11,233/mo gross pay to cover expenses, taxes, and a savings buffer.
Hybrid salary estimateBLS, HUD, ACS inputsLast verified May 2026
Comfortable Salary
$134,793
with 15% savings
Bare Minimum
$107,096
$8,925/mo gross, no savings buffer
Monthly Expenses
$6,515
8% below national avg
Detailed Monthly Budget for a Family in Medford
| Expense | Medford | Nat'l Avg | Diff |
|---|---|---|---|
| 3BR Apartment/House Rent | $1,789 | $2,509 | -29% |
| Groceries | $767 | $528 | +45% |
| Utilities | $278 | $337 | -18% |
| Transportation | $453 | $526 | -14% |
| Car Insurance | $207 | $215 | -4% |
| Health Insurance | $644 | $642 | 0% |
| Childcare/After-school | $1,224 | $1,200 | +2% |
| Internet + Phones | $184 | $180 | +2% |
| Children Activities | $255 | $250 | +2% |
| Dining Out | $357 | $350 | +2% |
| School Supplies & Clothing | $204 | $200 | +2% |
| Healthcare Co-pays | $153 | $150 | +2% |
| Total Monthly | $6,515 | $7,087 | -8% |
How We Calculated the Salary
Monthly expenses:$6,515
Target savings (15%):$1,447/mo
Monthly after-tax needed:$7,962
Effective tax rate:27%
Gross annual salary needed:$134,793
What Drives the Salary Number?
Housing
$1,789
3BR Apartment/House rent is 27% of this monthly budget.
Taxes
27%
Estimated federal plus OR state tax reserve used to convert take-home needs into gross salary.
Savings target
15%
$1,447/mo is reserved for savings so the salary is not just break-even.
Local index
102/100
Medford is below the national baseline; the model adjusts baseline spending by local rent and cost data.
Compare Salary Needed in Nearby west Cities
Salary Planning Checklist
- Keep 3br apartment/house housing near $1,789/mo or adjust the salary target upward.
- Budget $2,377/mo for persona-specific costs such as Childcare/After-school and Internet + Phones.
- Use $107,096/year as the survival floor and $134,793/year as the healthier negotiation target.
Other Household Types in Medford
Related Pages
FAQ
What salary does a family with kids need in Medford?
A family with kids needs approximately $134,793/year ($11,233/month gross) to live comfortably in Medford with a 15% savings rate.
How much is rent for a family with kids in Medford?
A 3br apartment/house in Medford costs approximately $1,789/month, which is the largest single expense at 27% of the total budget.
Is Medford affordable for a family with kids?
Yes, Medford is 8% more affordable than the national average for a family with kids.