How Much Does Disability Insurance Cost in Portland, OR?
Portland pricing is 18% above the national average. Updated for 2026.
Based on local labor rates, oceanic climate conditions, and Portland's tech-manufacturing-creative economy.See our methodology
Disability Insurance Pricing in Portland, OR
Portland is a high-cost market where disability insurance runs about 18% above the national average. The city's tech-manufacturing-creative economy supports higher wages, which translates to elevated contractor rates. With a population of 650K, competition among providers exists but demand keeps prices firm.
Local climate plays a direct role in disability insurance costs here. Heavy rainfall means moisture management is critical for roofing, basements, and foundations; mild temperatures reduce extreme HVAC needs.
Market-specific factors matter in Portland: strong environmental regulations affect building materials and methods; competitive green building market; moderate overall pricing.
Portland has strict permitting requirements. Budget an additional 5-15% for permits, inspections, and code compliance when planning your disability insurance project. Licensed contractors familiar with local codes can navigate this process efficiently.
Portland vs National Average
What Affects Disability Insurance Cost in Portland?
Term
Short-term (3-6 months): $25-$75/month. Long-term (to age 65): $50-$500/month
Occupation
Office/professional: $50-$150/month. Manual labor: $100-$300/month. High-risk: $200-$500/month
Portland Market Conditions
strong environmental regulations affect building materials and methods; competitive green building market; moderate overall pricing
Local Climate Impact
heavy rainfall means moisture management is critical for roofing, basements, and foundations; mild temperatures reduce extreme HVAC needs
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Top-Rated Disability Insurance Pros in Portland, OR
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Tips to Save on Disability Insurance in Portland
- 1.Employer group plans are significantly cheaper than individual policies
- 2.Longer elimination periods (90 vs 30 days) reduce premiums 20-30%
- 3.Own-occupation policies cost more but provide better protection
- 4.Buy when young and healthy — premiums are based on age at purchase
- 5.In Portland, verify your contractor handles local permits — the permitting process here is more involved than average and DIY permit applications can cause delays.
📈 Disability Insurance in Portland Cost Trends (2020–2024)
Prices have increased +17.5% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $126 | — |
| 2021 | $131 | +4.0% |
| 2022 | $139 | +6.1% |
| 2023 | $143 | +2.9% |
| 2024 | $148 | +3.5% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Disability Insurance in Portland
Recent Reports
Frequently Asked Questions
What's the difference between short-term and long-term disability?
Short-term covers the first 3-6 months after disability. Long-term kicks in after that and can last years or until retirement. Many employers offer short-term; long-term often requires individual purchase.
Why does disability insurance cost different in Portland than other cities?
Portland's costs reflect local labor rates driven by the tech-manufacturing-creative economy, oceanic climate conditions that affect materials and scheduling, and strict permitting requirements. The moderate labor market also influences competitive pricing.
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