Total monthly cost of ownership
Cost to Own a Home in Warm Springs, Oregon
A $122,000 home here costs
$977per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $627. The real number is $350 higher every month — 56% 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.
Warm Springs against Jefferson County and Oregon
| Measure | Warm Springs | Jefferson County |
|---|---|---|
| Median home value | $121,500 | $339,200 |
| Median property tax | $199 | $2,506 |
| Effective tax rate | 0.164% | 0.739% |
| Median gross rent | $553 | $957 |
| Population | 2,446 | 24,973 |
The weather behind that power bill
Warm Springs sits in Jefferson County, which averages a high of 87.1°F in its hottest month and a low of 23.2°F in its coldest, with 11.2" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 366 cooling and 6,185 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Jefferson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jefferson County
Full Jefferson County cost breakdown · Every county in Oregon
Common questions
How much does it cost to own a home in Warm Springs?
A $122,000 home in Warm Springs, Oregon costs approximately $977 per month with 20% down at 6.66%. That is $627 principal and interest, $17 property tax, $18 homeowners insurance, $214 utilities and $102 set aside for maintenance.
What is the property tax rate in Warm Springs?
Warm Springs has an effective property tax rate of 0.164%, based on a median home value of $121,500 and median real estate taxes of $199. That is lower than the Jefferson County average of 0.739%.
What is the average home price in Warm Springs?
The median owner-occupied home value in Warm Springs, Oregon is $121,500, against $339,200 across Jefferson County.
Is it cheaper to rent or buy in Warm Springs?
Median gross rent in Warm Springs is $553 a month, against $977 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 Warm Springs — 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.