Total monthly cost of ownership
Cost to Own a Home in Harbor, Oregon
A $317,000 home here costs
$2,357per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $101,000 a year.
A standard mortgage calculator would have told you $1,728. The real number is $629 higher every month, 36% more than the payment most buyers budget for.
Compare Curry County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Harbor from a five-year rolling sample, and with about 2,154 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Curry County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Harbor against Curry County and Oregon
| Measure | Harbor | Curry County |
|---|---|---|
| Median home value | $316,600 | $366,700 |
| Median property tax | $1,326 | $1,948 |
| Effective tax rate | 0.419% | 0.531% |
| Median gross rent | $1,279 | $1,156 |
| Population | 2,154 | 23,463 |
The weather behind that power bill
Harbor sits in Curry County, which averages a high of 68.8°F in its hottest month and a low of 41.7°F in its coldest, with 75.18" of precipitation a year and 48% of it in a single three-month stretch. That climate drives 20 cooling and 4,022 heating degree days, which is what sets the $140 electricity line above.
See the full climate breakdown for Curry County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Curry County
Talk to someone who works this market
These are Harbor averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Harbor every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Harbor I already own here and may sell
Common questions
How much does it cost to own a home in Harbor?
A $317,000 home in Harbor, Oregon costs approximately $2,357 per month with 20% down at 7.24%. That is $1,728 principal and interest, $111 property tax, $46 homeowners insurance, $208 utilities and $264 set aside for maintenance.
What is the property tax rate in Harbor?
Harbor has an effective property tax rate of 0.419%, based on a median home value of $316,600 and median real estate taxes of $1,326. That is lower than the Curry County average of 0.531%.
What is the average home price in Harbor?
The median owner-occupied home value in Harbor, Oregon is $316,600, against $366,700 across Curry County.
Is it cheaper to rent or buy in Harbor?
Median gross rent in Harbor is $1,279 a month, against $2,357 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Harbor?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Harbor, Oregon at today's rate takes a household income of roughly $101,000 a year. That covers the full $2,357 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Harbor, 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.