Total monthly cost of ownership
Cost to Own a Home in North Plains, Oregon
A $544,000 home here costs
$3,884per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,797. The real number is $1,087 higher every month — 39% 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.
North Plains against Washington County and Oregon
| Measure | North Plains | Washington County |
|---|---|---|
| Median home value | $544,000 | $558,500 |
| Median property tax | $4,091 | $4,852 |
| Effective tax rate | 0.752% | 0.869% |
| Median gross rent | $1,373 | $1,773 |
| Population | 3,393 | 600,266 |
The weather behind that power bill
North Plains sits in Washington County, which averages a high of 82.2°F in its hottest month and a low of 32.6°F in its coldest, with 46.72" of precipitation a year and 50% of it in a single three-month stretch. That climate drives 347 cooling and 5,027 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Washington County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Washington County
Full Washington County cost breakdown · Every county in Oregon
Common questions
How much does it cost to own a home in North Plains?
A $544,000 home in North Plains, Oregon costs approximately $3,884 per month with 20% down at 6.66%. That is $2,797 principal and interest, $341 property tax, $78 homeowners insurance, $214 utilities and $453 set aside for maintenance.
What is the property tax rate in North Plains?
North Plains has an effective property tax rate of 0.752%, based on a median home value of $544,000 and median real estate taxes of $4,091. That is lower than the Washington County average of 0.869%.
What is the average home price in North Plains?
The median owner-occupied home value in North Plains, Oregon is $544,000, against $558,500 across Washington County.
Is it cheaper to rent or buy in North Plains?
Median gross rent in North Plains is $1,373 a month, against $3,884 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 North Plains — 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.