Total monthly cost of ownership
Cost to Own a Home in Burns, Oregon
A $157,000 home here costs
$1,318per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $807. The real number is $511 higher every month — 63% 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.
Burns against Harney County and Oregon
| Measure | Burns | Harney County |
|---|---|---|
| Median home value | $157,400 | $190,600 |
| Median property tax | $1,721 | $1,845 |
| Effective tax rate | 1.093% | 0.968% |
| Median gross rent | $705 | $675 |
| Population | 2,736 | 7,515 |
The weather behind that power bill
Burns sits in Harney County, which averages a high of 84.6°F in its hottest month and a low of 19.8°F in its coldest, with 12.52" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 245 cooling and 6,933 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Harney County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Harney County
Common questions
How much does it cost to own a home in Burns?
A $157,000 home in Burns, Oregon costs approximately $1,318 per month with 20% down at 6.66%. That is $807 principal and interest, $143 property tax, $23 homeowners insurance, $214 utilities and $131 set aside for maintenance.
What is the property tax rate in Burns?
Burns has an effective property tax rate of 1.093%, based on a median home value of $157,400 and median real estate taxes of $1,721. That is higher than the Harney County average of 0.968%.
What is the average home price in Burns?
The median owner-occupied home value in Burns, Oregon is $157,400, against $190,600 across Harney County.
Is it cheaper to rent or buy in Burns?
Median gross rent in Burns is $705 a month, against $1,318 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 Burns — 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.