Umatilla County, Oregon home prices
Typical home $312,771 · +2.8% in a year · property tax 0.9%
The typical home in Umatilla County is worth $312,771, 37% less than the Oregon typical home ($492,753). Values changed +2.8% in the past year and +19.9% over five years. Homeowners here pay a median 0.9% of their home's value in property tax each year ($2,830 on the typical home), versus 0.79% statewide.
Mortgage on the typical Umatilla County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $62,554 | $250,217 | $1,683 | $0 | $392 | $2,075 | $88,900 |
| 10% down | $31,277 | $281,494 | $1,894 | $117 | $392 | $2,403 | $103,000 |
| 5% down | $15,639 | $297,133 | $1,999 | $124 | $392 | $2,515 | $107,800 |
| 3.5% down (FHA) | $10,947 | $307,106 | $2,066 | $138 | $392 | $2,596 | $111,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.9% 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 · part of the Hermiston metro area.
Oregon counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Wheeler County | $310,433 | +5.4% | 0.69% |
| Morrow County | $306,837 | +1.4% | 0.81% |
| Malheur County | $306,087 | +2.8% | 0.75% |
| Klamath County | $303,425 | -0.1% | 0.62% |
| Baker County | $297,516 | -0.4% | 0.78% |
| Union County | $332,868 | +3.8% | 0.83% |
| Sherman County | $289,987 | +4.0% | 0.75% |
| Douglas County | $339,328 | +0.1% | 0.61% |
| Grant County | $281,746 | +1.9% | 0.73% |
| Coos County | $348,767 | -0.5% | 0.68% |
Frequently asked questions
What is the average home price in Umatilla County, OR?
The typical home value in Umatilla County is $312,771 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Umatilla County?
About $88,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Umatilla County?
The median effective rate is 0.9% of home value a year (Census ACS 2024 5-year estimates).