Harney County, Oregon home prices
Typical home $214,641 · +4.0% in a year · property tax 0.8%
The typical home in Harney County is worth $214,641, 56% less than the Oregon typical home ($492,753). Values changed +4.0% in the past year and +29.2% over five years. Homeowners here pay a median 0.8% of their home's value in property tax each year ($1,723 on the typical home), versus 0.79% statewide.
Mortgage on the typical Harney County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $42,928 | $171,713 | $1,155 | $0 | $251 | $1,406 | $60,300 |
| 10% down | $21,464 | $193,177 | $1,300 | $80 | $251 | $1,631 | $69,900 |
| 5% down | $10,732 | $203,909 | $1,372 | $85 | $251 | $1,708 | $73,200 |
| 3.5% down (FHA) | $7,512 | $210,753 | $1,418 | $95 | $251 | $1,764 | $75,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.8% 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 |
|---|---|---|---|
| Lake County | $194,326 | -4.5% | 0.71% |
| Gilliam County | $246,679 | +3.3% | 1.01% |
| Grant County | $281,746 | +1.9% | 0.73% |
| Sherman County | $289,987 | +4.0% | 0.75% |
| Baker County | $297,516 | -0.4% | 0.78% |
| 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 Harney County, OR?
The typical home value in Harney County is $214,641 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Harney County?
About $60,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Harney County?
The median effective rate is 0.8% of home value a year (Census ACS 2024 5-year estimates).