Total monthly cost of ownership
Cost to Own a Home in Oroville, Washington
A $175,000 home here costs
$1,378per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $900. The real number is $479 higher every month — 53% 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.
Oroville against Okanogan County and Washington
| Measure | Oroville | Okanogan County |
|---|---|---|
| Median home value | $175,300 | $284,200 |
| Median property tax | $1,257 | $2,194 |
| Effective tax rate | 0.717% | 0.772% |
| Median gross rent | $699 | $868 |
| Population | 1,686 | 42,811 |
The weather behind that power bill
Oroville sits in Okanogan County, which averages a high of 89.4°F in its hottest month and a low of 23.3°F in its coldest, with 11.6" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 703 cooling and 6,177 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for Okanogan County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Okanogan County
Full Okanogan County cost breakdown · Every county in Washington
Common questions
How much does it cost to own a home in Oroville?
A $175,000 home in Oroville, Washington costs approximately $1,378 per month with 20% down at 6.66%. That is $900 principal and interest, $105 property tax, $26 homeowners insurance, $202 utilities and $146 set aside for maintenance.
What is the property tax rate in Oroville?
Oroville has an effective property tax rate of 0.717%, based on a median home value of $175,300 and median real estate taxes of $1,257. That is lower than the Okanogan County average of 0.772%.
What is the average home price in Oroville?
The median owner-occupied home value in Oroville, Washington is $175,300, against $284,200 across Okanogan County.
Is it cheaper to rent or buy in Oroville?
Median gross rent in Oroville is $699 a month, against $1,378 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 Oroville — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Washington.
- 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.