Total monthly cost of ownership
Cost to Own a Home in Boardman, Oregon
A $204,000 home here costs
$1,639per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,049. The real number is $590 higher every month — 56% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Boardman against Morrow County and Oregon
| Measure | Boardman | Morrow County |
|---|---|---|
| Median home value | $204,100 | $229,800 |
| Median property tax | $2,122 | $1,885 |
| Effective tax rate | 1.040% | 0.820% |
| Median gross rent | $890 | $910 |
| Population | 3,955 | 12,249 |
The weather behind that power bill
Boardman sits in Morrow County, which averages a high of 86.8°F in its hottest month and a low of 27.2°F in its coldest, with 13.09" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 531 cooling and 5,380 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Morrow County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Morrow County
Common questions
How much does it cost to own a home in Boardman?
A $204,000 home in Boardman, Oregon costs approximately $1,639 per month with 20% down at 6.66%. That is $1,049 principal and interest, $177 property tax, $29 homeowners insurance, $214 utilities and $170 set aside for maintenance.
What is the property tax rate in Boardman?
Boardman has an effective property tax rate of 1.040%, based on a median home value of $204,100 and median real estate taxes of $2,122. That is higher than the Morrow County average of 0.820%.
What is the average home price in Boardman?
The median owner-occupied home value in Boardman, Oregon is $204,100, against $229,800 across Morrow County.
Is it cheaper to rent or buy in Boardman?
Median gross rent in Boardman is $890 a month, against $1,639 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Boardman — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Oregon.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.