Gilliam County, Oregon home prices
Typical home $246,679 · +3.3% in a year · property tax 1.01%
The typical home in Gilliam County is worth $246,679, 50% less than the Oregon typical home ($492,753). Values changed +3.3% in the past year and +19.4% over five years. Homeowners here pay a median 1.01% of their home's value in property tax each year ($2,481 on the typical home), versus 0.79% statewide.
Mortgage on the typical Gilliam County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $49,336 | $197,343 | $1,328 | $0 | $330 | $1,658 | $71,000 |
| 10% down | $24,668 | $222,011 | $1,493 | $93 | $330 | $1,916 | $82,100 |
| 5% down | $12,334 | $234,345 | $1,576 | $98 | $330 | $2,004 | $85,900 |
| 3.5% down (FHA) | $8,634 | $242,211 | $1,629 | $109 | $330 | $2,069 | $88,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.01% 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 |
|---|---|---|---|
| Harney County | $214,641 | +4.0% | 0.8% |
| Grant County | $281,746 | +1.9% | 0.73% |
| Sherman County | $289,987 | +4.0% | 0.75% |
| Baker County | $297,516 | -0.4% | 0.78% |
| Lake County | $194,326 | -4.5% | 0.71% |
| Klamath County | $303,425 | -0.1% | 0.62% |
| 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% |
Frequently asked questions
What is the average home price in Gilliam County, OR?
The typical home value in Gilliam County is $246,679 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Gilliam County?
About $71,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Gilliam County?
The median effective rate is 1.01% of home value a year (Census ACS 2024 5-year estimates).