Baker County, Oregon home prices
Typical home $297,516 · -0.4% in a year · property tax 0.78%
The typical home in Baker County is worth $297,516, 40% less than the Oregon typical home ($492,753). Values changed -0.4% in the past year and +22.9% over five years. Homeowners here pay a median 0.78% of their home's value in property tax each year ($2,332 on the typical home), versus 0.79% statewide.
Mortgage on the typical Baker County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $59,503 | $238,013 | $1,601 | $0 | $343 | $1,944 | $83,300 |
| 10% down | $29,752 | $267,764 | $1,801 | $112 | $343 | $2,256 | $96,700 |
| 5% down | $14,876 | $282,640 | $1,901 | $118 | $343 | $2,362 | $101,200 |
| 3.5% down (FHA) | $10,413 | $292,127 | $1,965 | $132 | $343 | $2,440 | $104,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.78% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Oregon.
Oregon counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Klamath County | $303,425 | -0.1% | 0.62% |
| Sherman County | $289,987 | +4.0% | 0.75% |
| Malheur County | $306,087 | +2.8% | 0.75% |
| Morrow County | $306,837 | +1.4% | 0.81% |
| Wheeler County | $310,433 | +5.4% | 0.69% |
| Umatilla County | $312,771 | +2.8% | 0.9% |
| Grant County | $281,746 | +1.9% | 0.73% |
| Union County | $332,868 | +3.8% | 0.83% |
| Douglas County | $339,328 | +0.1% | 0.61% |
| Gilliam County | $246,679 | +3.3% | 1.01% |
Frequently asked questions
What is the average home price in Baker County, OR?
The typical home value in Baker County is $297,516 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Baker County?
About $83,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Baker County?
The median effective rate is 0.78% of home value a year (Census ACS 2024 5-year estimates).