Total monthly cost of ownership
Cost to Own a Home in Sisters, Oregon
A $586,000 home here costs
$4,152per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,013. The real number is $1,140 higher every month — 38% 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.
Sisters against Deschutes County and Oregon
| Measure | Sisters | Deschutes County |
|---|---|---|
| Median home value | $586,000 | $596,000 |
| Median property tax | $4,230 | $3,670 |
| Effective tax rate | 0.722% | 0.616% |
| Median gross rent | $1,414 | $1,674 |
| Population | 3,018 | 203,026 |
The weather behind that power bill
Sisters sits in Deschutes County, which averages a high of 84.1°F in its hottest month and a low of 19.0°F in its coldest, with 19.12" of precipitation a year and 44% of it in a single three-month stretch. That climate drives 85 cooling and 7,661 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Deschutes County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Deschutes County
Full Deschutes County cost breakdown · Every county in Oregon
Common questions
How much does it cost to own a home in Sisters?
A $586,000 home in Sisters, Oregon costs approximately $4,152 per month with 20% down at 6.66%. That is $3,013 principal and interest, $353 property tax, $84 homeowners insurance, $214 utilities and $488 set aside for maintenance.
What is the property tax rate in Sisters?
Sisters has an effective property tax rate of 0.722%, based on a median home value of $586,000 and median real estate taxes of $4,230. That is higher than the Deschutes County average of 0.616%.
What is the average home price in Sisters?
The median owner-occupied home value in Sisters, Oregon is $586,000, against $596,000 across Deschutes County.
Is it cheaper to rent or buy in Sisters?
Median gross rent in Sisters is $1,414 a month, against $4,152 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 Sisters — 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.