Ontario, OR home prices
Typical home $370,248 · +3.9% in a year · income needed $103,200
The Ontario, OR metro area ranks 192 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.9% in a year and +17.1% over five years. With 20% down at 7.11%, the typical home costs about $2,408 a month including 0.75% property tax (Malheur County rate).
Mortgage on the typical Ontario home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $74,050 | $296,198 | $1,993 | $0 | $416 | $2,408 | $103,200 |
| 10% down | $37,025 | $333,223 | $2,242 | $139 | $416 | $2,796 | $119,800 |
| 5% down | $18,512 | $351,735 | $2,366 | $147 | $416 | $2,928 | $125,500 |
| 3.5% down (FHA) | $12,959 | $363,541 | $2,446 | $164 | $416 | $3,025 | $129,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.75% 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.
Counties in the Ontario area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Malheur County, OR | $306,087 | +2.8% | 0.75% |
| Payette County, ID | $412,388 | +3.8% | 0.4% |
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Frequently asked questions
How much is a house in Ontario?
The typical home in the Ontario, OR metro area is worth $370,248 (Zillow, September 2026).
What salary do you need to buy a house in Ontario?
About $103,200 a year for the typical home with 20% down at 7.11%.