Total monthly cost of ownership
Cost to Own a Home in Irrigon, Oregon
A $182,000 home here costs
$1,490per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $936. The real number is $554 higher every month — 59% 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.
Irrigon against Morrow County and Oregon
| Measure | Irrigon | Morrow County |
|---|---|---|
| Median home value | $182,200 | $229,800 |
| Median property tax | $1,944 | $1,885 |
| Effective tax rate | 1.067% | 0.820% |
| Median gross rent | $736 | $910 |
| Population | 1,922 | 12,249 |
The weather behind that power bill
Irrigon sits in Morrow County, which averages a high of 86.8°F in its hottest month and a low of 27.2°F in its coldest, with 13.09" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 531 cooling and 5,380 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Morrow County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Morrow County
Common questions
How much does it cost to own a home in Irrigon?
A $182,000 home in Irrigon, Oregon costs approximately $1,490 per month with 20% down at 6.66%. That is $936 principal and interest, $162 property tax, $26 homeowners insurance, $214 utilities and $152 set aside for maintenance.
What is the property tax rate in Irrigon?
Irrigon has an effective property tax rate of 1.067%, based on a median home value of $182,200 and median real estate taxes of $1,944. That is higher than the Morrow County average of 0.820%.
What is the average home price in Irrigon?
The median owner-occupied home value in Irrigon, Oregon is $182,200, against $229,800 across Morrow County.
Is it cheaper to rent or buy in Irrigon?
Median gross rent in Irrigon is $736 a month, against $1,490 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 Irrigon — 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.