Oregon vehicle privilege tax calculator
Oregon’s law sets a maximum for the document processing fee of $250.00 (its words: “in no case shall the document processing fee charged by a vehicle dealer under this section exceed”). A different figure applies in some deals.
oregonlegislature.gov · checked Oct 3, 2026
By Mr. Voltage · Data checked Oct 3, 2026 · Page changed Oct 12, 2026
Where will you register the car?
Multnomah County, Oregon
Example quotes. Pick your place and type yours. Example: three quotes on one car in Multnomah County, Oregon. Pick your own place and type your quotes.
Your deals at a glance
| Deal | Payment | All-in |
|---|---|---|
| $554.32a month | $38,259.11+$716.38 more than Deal C | |
| $500.51a month | $41,036.75+$3,494.02 more than Deal C | |
| $542.38a month | $37,542.73Lowest |
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
Your numbers stay in this browser.
$554.32 a month · 60 payments
All-in $38,259.11
$500.51 a month · 72 payments
All-in $41,036.75
$542.38 a month · 60 payments
All-in $37,542.73Lowest
Out-the-door $33,741.50
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
Out-the-door $34,439.98
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
Out-the-door $34,286.75
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
New · 2026 · Gas · change
New or used
The sheet starts with a new car; each deal sets its own
Model year
A new car is the current or next model year
Fuel
Gas car. Electric cars pay more for the title and registration in Oregon
Combined miles per gallon
The research’s test car, a 2026 Tucson SEL, is rated 28 mpg combined: the middle of the 20 to 39 mpg tier
Registration
Registered anew with new plates, as the standard deal is. A used car with current Oregon plates keeps them and its registration: then only the title fee is due, and the DEQ test waits for renewal
Registered where a smog check is due
Most addresses in this county are inside DEQ’s Portland testing boundary. If yours is outside it, change this
Paperwork filed
Most dealers file through an integrator, DMV’s electronic system; one that doesn’t may charge less
Doc fee stated on its own line
Buyer’s orders list the doc fee on its own line, which keeps it untaxed in Oregon
New · 2026 · Gas · change
New or used
The sheet starts with a new car; each deal sets its own
Model year
A new car is the current or next model year
Fuel
Gas car. Electric cars pay more for the title and registration in Oregon
Combined miles per gallon
The research’s test car, a 2026 Tucson SEL, is rated 28 mpg combined: the middle of the 20 to 39 mpg tier
Registration
Registered anew with new plates, as the standard deal is. A used car with current Oregon plates keeps them and its registration: then only the title fee is due, and the DEQ test waits for renewal
Registered where a smog check is due
Most addresses in this county are inside DEQ’s Portland testing boundary. If yours is outside it, change this
Paperwork filed
Most dealers file through an integrator, DMV’s electronic system; one that doesn’t may charge less
Doc fee stated on its own line
Buyer’s orders list the doc fee on its own line, which keeps it untaxed in Oregon
New · 2026 · Gas · change
New or used
The sheet starts with a new car; each deal sets its own
Model year
A new car is the current or next model year
Fuel
Gas car. Electric cars pay more for the title and registration in Oregon
Combined miles per gallon
The research’s test car, a 2026 Tucson SEL, is rated 28 mpg combined: the middle of the 20 to 39 mpg tier
Registration
Registered anew with new plates, as the standard deal is. A used car with current Oregon plates keeps them and its registration: then only the title fee is due, and the DEQ test waits for renewal
Registered where a smog check is due
Most addresses in this county are inside DEQ’s Portland testing boundary. If yours is outside it, change this
Paperwork filed
Most dealers file through an integrator, DMV’s electronic system; one that doesn’t may charge less
Doc fee stated on its own line
Buyer’s orders list the doc fee on its own line, which keeps it untaxed in Oregon
$250.00: the most Oregon law allows (“in no case shall the document processing fee charged by a vehicle dealer under this section exceed”).
Oregon calls it a document processing fee.
oregonlegislature.gov · checked Oct 3, 2026
$250.00: the most Oregon law allows (“in no case shall the document processing fee charged by a vehicle dealer under this section exceed”).
Oregon calls it a document processing fee.
oregonlegislature.gov · checked Oct 3, 2026
$250.00: the most Oregon law allows (“in no case shall the document processing fee charged by a vehicle dealer under this section exceed”).
Oregon calls it a document processing fee.
oregonlegislature.gov · checked Oct 3, 2026
- No sales tax, and no city or county tax on a car: state law bars new local vehicle taxes.
oregonlegislature.gov · checked Oct 3, 2026
- No fee to record a lien: the lender is listed on the title application.
oregonlegislature.gov · checked Oct 3, 2026
- No tire, battery or other point-of-sale fee.
oregonlegislature.gov · checked Oct 3, 2026
- No yearly property tax on a car: registration fees are in lieu of it.
oregonlegislature.gov · checked Oct 3, 2026
- No sales tax, and no city or county tax on a car: state law bars new local vehicle taxes.
oregonlegislature.gov · checked Oct 3, 2026
- No fee to record a lien: the lender is listed on the title application.
oregonlegislature.gov · checked Oct 3, 2026
- No tire, battery or other point-of-sale fee.
oregonlegislature.gov · checked Oct 3, 2026
- No yearly property tax on a car: registration fees are in lieu of it.
oregonlegislature.gov · checked Oct 3, 2026
- No sales tax, and no city or county tax on a car: state law bars new local vehicle taxes.
oregonlegislature.gov · checked Oct 3, 2026
- No fee to record a lien: the lender is listed on the title application.
oregonlegislature.gov · checked Oct 3, 2026
- No tire, battery or other point-of-sale fee.
oregonlegislature.gov · checked Oct 3, 2026
- No yearly property tax on a car: registration fees are in lieu of it.
oregonlegislature.gov · checked Oct 3, 2026
Your $5,000.00 down covers the $1,041.50 in tax, fees and the doc fee first; $3,958.50 goes toward the price.
Your $5,000.00 down covers the $1,044.98 in tax, fees and the doc fee first; $3,955.02 goes toward the price.
Your $5,000.00 down covers the $1,036.75 in tax, fees and the doc fee first; $3,963.25 goes toward the price.
Illustrative rate, not a quote. Your APR depends on your credit, the term, the vehicle and the lender.
Illustrative rate, not a quote. Your APR depends on your credit, the term, the vehicle and the lender.
Illustrative rate, not a quote. Your APR depends on your credit, the term, the vehicle and the lender.
60 payments, last $554.23
72 payments, last $500.54
60 payments, last $542.31
cash down plus every payment
+$716.38 more all-in than Deal C
cash down plus every payment
+$3,494.02 more all-in than Deal C
cash down plus every payment
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
3 charges this total leaves out
3 charges this total leaves out
3 charges this total leaves out
What’s different in Oregon
Oregon calls it the vehicle privilege tax.
oregon.gov · checked Oct 3, 2026
A trade-in does not lower the amount taxed.
oregon.gov · checked Oct 3, 2026
Negative equity rolled into the new loan is not taxed. That point is not confirmed.
secure.sos.state.or.us · checked Oct 3, 2026
Oregon’s law sets a maximum for the document processing fee of $250.00 (its words: “in no case shall the document processing fee charged by a vehicle dealer under this section exceed”). A different figure applies in some deals.
oregonlegislature.gov · checked Oct 3, 2026
A new car getting new plates is registered for four years, not two, so four years of registration and county fees are due at the start.
oregonlegislature.gov · checked Oct 3, 2026
Worked examples
Each line below is worked by the same engine as the calculator, on the day this page was built (Nov 11, 2026).
A new car with a trade-in and negative equity
A new car at $32,700.00, with a trade-in allowed at $10,000.00 and $13,000.00 still owed, $5,000.00 down, financed at 5.90% for 60 months, bought from a dealer and registered in Multnomah County.
| Line | Amount |
|---|---|
| Price | $32,700.00 |
| Trade-in allowance | $10,000.00 |
| Still owed on the trade-in | $13,000.00 |
| Equity (negative if you owe more than it is worth) | −$3,000.00 |
| Retail sales price secure.sos.state.or.us · checked Oct 3, 2026 | $32,700.00 |
| Oregon vehicle privilege tax oregonlegislature.gov · checked Oct 3, 2026 | $163.50 |
| Doc fee oregonlegislature.gov · checked Oct 3, 2026 | $250.00 |
| Title fee oregon.gov · checked Oct 3, 2026 | $106.00 |
| Registration oregon.gov · checked Oct 3, 2026 | $272.00 |
| County registration fee multco.us · checked Oct 3, 2026 | $224.00 |
| License plates (pair) oregon.gov · checked Oct 3, 2026 | $26.00 |
| Out-the-door price | $33,741.50 |
| Cash down | $5,000.00 |
| Amount financed | $31,741.50 |
| Monthly payment | $612.18 |
| Interest over the loan | $4,989.06 |
| Total paid, interest included | $41,730.56 |
A used car from a dealer
A used car, model year 2022, at $21,500.00, $5,000.00 down, financed at 5.90% for 60 months, bought from a dealer and registered in Multnomah County.
| Line | Amount |
|---|---|
| Price | $21,500.00 |
| Doc fee oregonlegislature.gov · checked Oct 3, 2026 | $250.00 |
| Title fee oregon.gov · checked Oct 3, 2026 | $106.00 |
| Registration oregon.gov · checked Oct 3, 2026 | $136.00 |
| County registration fee multco.us · checked Oct 3, 2026 | $112.00 |
| License plates (pair) oregon.gov · checked Oct 3, 2026 | $26.00 |
| DEQ emissions test oregon.gov · checked Oct 3, 2026 | $25.00 |
| Out-the-door price | $22,155.00 |
| Cash down | $5,000.00 |
| Amount financed | $17,155.00 |
| Monthly payment | $330.86 |
| Interest over the loan | $2,696.45 |
| Total paid, interest included | $24,851.45 |
The rules in Oregon
| Rule | What it says |
|---|---|
| Name of the tax | vehicle privilege tax oregon.gov · checked Oct 3, 2026 |
| Oregon vehicle privilege tax | 0.50% of the taxable amount, in some deals oregonlegislature.gov · checked Oct 3, 2026 |
| What is taxed | Taxed: the vehicle price, other dealer fees on the order, accessories fitted before delivery, protection packages and loose items sold with the car. Not taxed: service contracts, prepaid maintenance, GAP and government fees. Depends on the deal: the doc fee. secure.sos.state.or.us · checked Oct 3, 2026 |
| Trade-in | A trade-in does not lower the amount taxed. oregon.gov · checked Oct 3, 2026 |
| Maker’s rebate | A maker’s rebate lowers the amount taxed. secure.sos.state.or.us · checked Oct 3, 2026 |
| Dealer discount | A dealer discount lowers the amount taxed. oregon.gov · checked Oct 3, 2026 |
| Negative equity | Negative equity rolled into the loan is not taxed. That point is not confirmed. secure.sos.state.or.us · checked Oct 3, 2026 |
| Doc fee | The law sets a maximum for the document processing fee of $250.00 (its words: “in no case shall the document processing fee charged by a vehicle dealer under this section exceed”). A different figure applies in some deals. oregonlegislature.gov · checked Oct 3, 2026 |
| Title fee | worked from the rule oregon.gov · checked Oct 3, 2026 |
| Title fee | $192.00 oregonlegislature.gov · checked Oct 3, 2026 |
| Registration | worked from the rule a year oregon.gov · checked Oct 3, 2026 |
| Registration | $188.00 a year oregonlegislature.gov · checked Oct 3, 2026 |
| Private-party purchase | No privilege or use tax: the taxes apply only to a sale by a dealer. The buyer pays DMV fees, and the DEQ emissions test where it is required. oregonlegislature.gov · checked Oct 3, 2026 |
| Bought out of state | Oregon use tax of 0.5% on a taxable vehicle (7,500 miles or less, never Oregon-registered) bought from an out-of-state dealer, paid to the Department of Revenue within 30 days unless the dealer collected it. DMV needs the certificate. oregon.gov · checked Oct 3, 2026 |
| New resident | No Oregon tax on a car brought in by a new resident unless it is still a taxable motor vehicle bought from a dealer (7,500 miles or less, never registered in Oregon); then the use tax applies, less tax paid elsewhere. Title, registration, county fee, plates, the $9 VIN inspection and a DEQ test inside the Portland or Medford boundary are due. oregonlegislature.gov · checked Oct 3, 2026 |
| Electric and hybrid cars | Electric: title $192 and registration $376 per two years ($752 for a new electric car’s four years). A car rated 40 or more MPG pays $216 per two years. Hybrids under 40 MPG pay by MPG tier. oregonlegislature.gov · checked Oct 3, 2026 |
| Emissions test | A DEQ test costs $25 in the Portland area, due only after a passing result. Vehicles within the four newest model years are exempt. oregon.gov · checked Oct 3, 2026 |
| Interest rate markup | No cap. A dealer that takes a yield spread premium must say in writing that rates may be negotiable, and may not quote a payment using a rate more than 3 points above the buy rate without disclosing the premium in writing. secure.sos.state.or.us · checked Oct 3, 2026 |
What has changed
· Watching: Electric cars move to the road usage charge: an $86 two-year registration, plus a flat fee or a per-mile charge, at renewal for used electric cars from July 1, 2027, for new ones from January 1, 2028, per DMV.
oregon.gov · checked Oct 3, 2026
· The rules on this page start here. Nothing earlier is loaded.
Questions people ask
What is Oregon's vehicle privilege tax?
It is a tax on the dealer, not on the buyer, for the privilege of selling new cars at retail in Oregon. The dealer may collect it from the buyer as a separate line, and the state’s revenue department says it will be itemized on your purchase documents. The rate is 0.5% of the retail sales price. That price counts the car as equipped, the destination charge, accessories and their installation, less discounts and rebates given at the time of sale. A document fee that is stated on its own line is not counted. Oregon has no general sales tax.
oregonlegislature.gov · checked Oct 3, 2026
secure.sos.state.or.us · checked Oct 3, 2026
oregon.gov · checked Oct 3, 2026
Which cars does the Oregon privilege tax apply to?
Only to a “taxable motor vehicle”: one with a gross vehicle weight rating of 26,000 pounds or less, with 7,500 miles or less on the odometer, that has never been registered in Oregon (a dealer’s demonstrator does not count as registered). In practice that is a new car, and also a low-mileage used car that has never had Oregon plates. A sale by a private person is outside the tax, and so is a sale to someone who is not a resident of Oregon.
oregonlegislature.gov · checked Oct 3, 2026
Does a trade-in lower the Oregon privilege tax?
No. The state’s rule counts the value of any property the dealer takes in trade as part of the retail sales price, so neither a trade-in nor a cash down payment lowers the tax. Discounts and rebates that are given at the time of sale do lower it. A rebate mailed to you after the sale does not.
oregon.gov · checked Oct 3, 2026
secure.sos.state.or.us · checked Oct 3, 2026
Is the Oregon dealer doc fee capped?
Yes. The statute says the document processing fee shall in no case exceed $250 if the dealer uses an integrator, or $200 if it does not. An integrator is a service the dealer pays to help with the paperwork. The amounts are fixed in the statute, with no yearly indexing. The buyer may negotiate the fee, except the part the dealer pays to the integrator, which is $35. The dealer must tell the buyer about the option of using an integrator. A dealer that charges more than the limit must refund the excess within 5 business days of discovering it. The fee may be shown as its own line if the disclosure is clear and conspicuous, and it may not be described as a government fee. A doc fee that is separately stated is not part of the price the privilege tax is figured on.
oregonlegislature.gov · checked Oct 3, 2026
secure.sos.state.or.us · checked Oct 3, 2026
secure.sos.state.or.us · checked Oct 3, 2026
What do title and registration cost in Oregon?
Both depend on the car’s miles-per-gallon rating, not its price. The title fee is $101 for 0 to 19 MPG, $106 for 20 to 39, $116 for 40 or more and $192 for an electric car. Registration for two years is $126 for 0 to 19 MPG, $136 for 20 to 39, $216 for 40 or more and $376 for an electric car. A new car getting new plates must be registered for four years, not two, at double the registration fee and double any county fee. A county fee is added where you live or the car is kept: Multnomah County charges $112 per two years, and Washington and Clackamas Counties charge $60. No other county is listed. Plates are $26 a pair.
oregon.gov · checked Oct 3, 2026
oregonlegislature.gov · checked Oct 3, 2026
multco.us · checked Oct 3, 2026
I bought a car out of state. What do I pay in Oregon?
If the car is a taxable motor vehicle (7,500 miles or less and never registered in Oregon) bought from an out-of-state dealer, you owe the Oregon use tax, also 0.5%. The dealer may collect it. If it does not, you file with the Department of Revenue within 30 days of the purchase, and DMV will not title or register the car without proof. The use tax is reduced, but not below zero, by any privilege, excise, sales or use tax paid elsewhere on the sale. You must show proof that it was paid. A late payment adds a 5% penalty, and not filing a return within 30 days adds 20%.
oregon.gov · checked Oct 3, 2026
oregonlegislature.gov · checked Oct 3, 2026