Total monthly cost of ownership
Cost to Own a Home in Umatilla, Oregon
A $191,000 home here costs
$1,540per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $982. The real number is $558 higher every month — 57% 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.
Umatilla against Umatilla County and Oregon
| Measure | Umatilla | Umatilla County |
|---|---|---|
| Median home value | $191,000 | $256,100 |
| Median property tax | $1,888 | $2,534 |
| Effective tax rate | 0.988% | 0.989% |
| Median gross rent | $1,076 | $962 |
| Population | 7,531 | 80,087 |
The weather behind that power bill
Umatilla 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 Umatilla?
A $191,000 home in Umatilla, Oregon costs approximately $1,540 per month with 20% down at 6.66%. That is $982 principal and interest, $157 property tax, $28 homeowners insurance, $214 utilities and $159 set aside for maintenance.
What is the property tax rate in Umatilla?
Umatilla has an effective property tax rate of 0.988%, based on a median home value of $191,000 and median real estate taxes of $1,888. That is in line with the Umatilla County average of 0.989%.
What is the average home price in Umatilla?
The median owner-occupied home value in Umatilla, Oregon is $191,000, against $256,100 across Umatilla County.
Is it cheaper to rent or buy in Umatilla?
Median gross rent in Umatilla is $1,076 a month, against $1,540 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 Umatilla — 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.