Total monthly cost of ownership
Cost to Own a Home in Hayesville, Oregon
A $331,000 home here costs
$2,465per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,702. The real number is $763 higher every month — 45% 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.
Hayesville against Marion County and Oregon
| Measure | Hayesville | Marion County |
|---|---|---|
| Median home value | $331,200 | $383,300 |
| Median property tax | $2,705 | $3,382 |
| Effective tax rate | 0.817% | 0.882% |
| Median gross rent | $1,353 | $1,333 |
| Population | 22,309 | 346,532 |
The weather behind that power bill
Hayesville sits in Marion County, which averages a high of 76.3°F in its hottest month and a low of 32.5°F in its coldest, with 68.92" of precipitation a year and 43% of it in a single three-month stretch. That climate drives 99 cooling and 5,992 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Marion County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Marion County
Common questions
How much does it cost to own a home in Hayesville?
A $331,000 home in Hayesville, Oregon costs approximately $2,465 per month with 20% down at 6.66%. That is $1,702 principal and interest, $225 property tax, $48 homeowners insurance, $214 utilities and $276 set aside for maintenance.
What is the property tax rate in Hayesville?
Hayesville has an effective property tax rate of 0.817%, based on a median home value of $331,200 and median real estate taxes of $2,705. That is lower than the Marion County average of 0.882%.
What is the average home price in Hayesville?
The median owner-occupied home value in Hayesville, Oregon is $331,200, against $383,300 across Marion County.
Is it cheaper to rent or buy in Hayesville?
Median gross rent in Hayesville is $1,353 a month, against $2,465 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 Hayesville — 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.