Total monthly cost of ownership
Cost to Own a Home in Pendleton, Oregon
A $276,000 home here costs
$2,143per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,419. The real number is $724 higher every month — 51% 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.
Pendleton against Umatilla County and Oregon
| Measure | Pendleton | Umatilla County |
|---|---|---|
| Median home value | $276,400 | $256,100 |
| Median property tax | $2,879 | $2,534 |
| Effective tax rate | 1.042% | 0.989% |
| Median gross rent | $938 | $962 |
| Population | 17,070 | 80,087 |
The weather behind that power bill
Pendleton sits in Umatilla County, which averages a high of 89.2°F in its hottest month and a low of 27.5°F in its coldest, with 12.83" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 636 cooling and 5,340 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Umatilla County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Umatilla County
Full Umatilla County cost breakdown · Every county in Oregon
Common questions
How much does it cost to own a home in Pendleton?
A $276,000 home in Pendleton, Oregon costs approximately $2,143 per month with 20% down at 6.66%. That is $1,419 principal and interest, $240 property tax, $40 homeowners insurance, $214 utilities and $230 set aside for maintenance.
What is the property tax rate in Pendleton?
Pendleton has an effective property tax rate of 1.042%, based on a median home value of $276,400 and median real estate taxes of $2,879. That is higher than the Umatilla County average of 0.989%.
What is the average home price in Pendleton?
The median owner-occupied home value in Pendleton, Oregon is $276,400, against $256,100 across Umatilla County.
Is it cheaper to rent or buy in Pendleton?
Median gross rent in Pendleton is $938 a month, against $2,143 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 Pendleton — 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.