Total monthly cost of ownership
Cost to Own a Home in Irrigon, Oregon
A $182,000 home here costs
$1,540per 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 $992. The real number is $548 higher every month, 55% more than the payment most buyers budget for.
Compare Morrow County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Irrigon from a five-year rolling sample, and with about 1,922 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 Morrow 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.
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 $140 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
Talk to someone who works this market
These are Irrigon 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 Irrigon every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Irrigon I already own here and may sell
Common questions
How much does it cost to own a home in Irrigon?
A $182,000 home in Irrigon, Oregon costs approximately $1,540 per month with 20% down at 7.24%. That is $992 principal and interest, $162 property tax, $26 homeowners insurance, $208 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 $1,540 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 Irrigon?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Irrigon, Oregon at today's rate takes a household income of roughly $66,000 a year. That covers the full $1,540 monthly cost, not just the mortgage payment.
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.