Total monthly cost of ownership
Cost to Own a Home in Hines, Oregon
A $179,000 home here costs
$1,542per 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 $66,000 a year.
A standard mortgage calculator would have told you $976. The real number is $566 higher every month, 58% more than the payment most buyers budget for.
Compare Harney County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Hines from a five-year rolling sample, and with about 1,629 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 Harney 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.
Hines against Harney County and Oregon
| Measure | Hines | Harney County |
|---|---|---|
| Median home value | $179,300 | $190,600 |
| Median property tax | $2,194 | $1,845 |
| Effective tax rate | 1.224% | 0.968% |
| Median gross rent | $580 | $675 |
| Population | 1,629 | 7,515 |
The weather behind that power bill
Hines 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 $140 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
Talk to someone who works this market
These are Hines 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 Hines every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Hines?
A $179,000 home in Hines, Oregon costs approximately $1,542 per month with 20% down at 7.24%. That is $976 principal and interest, $183 property tax, $26 homeowners insurance, $208 utilities and $149 set aside for maintenance.
What is the property tax rate in Hines?
Hines has an effective property tax rate of 1.224%, based on a median home value of $179,300 and median real estate taxes of $2,194. That is higher than the Harney County average of 0.968%.
What is the average home price in Hines?
The median owner-occupied home value in Hines, Oregon is $179,300, against $190,600 across Harney County.
Is it cheaper to rent or buy in Hines?
Median gross rent in Hines is $580 a month, against $1,542 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 Hines?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Hines, Oregon at today's rate takes a household income of roughly $66,000 a year. That covers the full $1,542 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Hines, 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.