Home › Invest › 529 plans › Oregon

Oregon 529 plan: tax break and facts

Oregon taxpayers can get a state tax credit for contributing up to Varies by income† (single) or Varies by income† (joint) a year, generally only for the in-state plan. Here are the facts on Oregon's direct-sold 529 plan (the one you open yourself, without an advisor).

Plan
Oregon College Savings Plan
Official site
https://www.oregoncollegesavings.com/ (the site didn't load for our check)
Program manager
not found
Expense ratio range
not found
Minimum contribution
not found
State tax break (2026)
Varies by income† single / Varies by income† joint (credit)
Tax parity (any state's plan)
No
Max account balance
$400,000

What Oregon law says

For tax years 2020 and beyond , Oregon providesa refundable credit for a percentage ofcontributions made to an Oregon 529 College Savings Network account or an Achieving a Better Life Experience (ABLE) account , up to an inflation-indexed maximum of $180, or $360 on a joint return. A taxpayer can receive the maximum credit for both types of accounts.ORS 31 5.650.

Summary of state law from the ICI 2025 state tax survey; it may predate 2026 changes.

2026 limits and parity: Savingforcollege. Manager, fees and minimum: only when stated on the plan's homepage text we read (2026-10-12); otherwise 'not found'. Check the plan's disclosure document for exact fees.

FAQ

Does Oregon have a 529 tax deduction?

Yes: a credit for up to Varies by income† (single) / Varies by income† (joint) of contributions in 2026

Do I have to use my own state's plan?

No. You can use any state's plan; you may lose your state's tax break if your state doesn't offer tax parity.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.