Total monthly cost of ownership
Cost to Own a Home in Harbor, Oregon
A $317,000 home here costs
$2,265per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,630. The real number is $635 higher every month — 39% 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.
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 $146 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
Common questions
How much does it cost to own a home in Harbor?
A $317,000 home in Harbor, Oregon costs approximately $2,265 per month with 20% down at 6.66%. That is $1,630 principal and interest, $111 property tax, $46 homeowners insurance, $214 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 $2,265 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 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.