Total monthly cost of ownership
Cost to Own a Home in Harrisburg, Oregon
A $304,000 home here costs
$2,407per month, all in, with 20% down at today's 7.32% 30-year fixed rate. By the 28% rule that takes a household income of about $103,000 a year.
A standard mortgage calculator would have told you $1,671. The real number is $737 higher every month, 44% more than the payment most buyers budget for.
Compare Linn County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Harrisburg from a five-year rolling sample, and with about 3,675 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 Linn 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.
Harrisburg against Linn County and Oregon
| Measure | Harrisburg | Linn County |
|---|---|---|
| Median home value | $304,100 | $344,600 |
| Median property tax | $2,771 | $3,130 |
| Effective tax rate | 0.911% | 0.908% |
| Median gross rent | $1,225 | $1,273 |
| Population | 3,675 | 129,794 |
The weather behind that power bill
Harrisburg sits in Linn County, which averages a high of 79.9°F in its hottest month and a low of 32.6°F in its coldest, with 63.09" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 118 cooling and 5,540 heating degree days, which is what sets the $141 electricity line above.
See the full climate breakdown for Linn County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Linn County
Talk to someone who works this market
These are Harrisburg 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 Harrisburg every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Harrisburg I already own here and may sell
Common questions
How much does it cost to own a home in Harrisburg?
A $304,000 home in Harrisburg, Oregon costs approximately $2,407 per month with 20% down at 7.32%. That is $1,671 principal and interest, $231 property tax, $44 homeowners insurance, $209 utilities and $253 set aside for maintenance.
What is the property tax rate in Harrisburg?
Harrisburg has an effective property tax rate of 0.911%, based on a median home value of $304,100 and median real estate taxes of $2,771. That is in line with the Linn County average of 0.908%.
What is the average home price in Harrisburg?
The median owner-occupied home value in Harrisburg, Oregon is $304,100, against $344,600 across Linn County.
Is it cheaper to rent or buy in Harrisburg?
Median gross rent in Harrisburg is $1,225 a month, against $2,407 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 Harrisburg?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Harrisburg, Oregon at today's rate takes a household income of roughly $103,000 a year. That covers the full $2,407 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Harrisburg, 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.