Total monthly cost of ownership
Cost to Own a Home in Williams, Oregon
A $541,000 home here costs
$3,728per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,781. The real number is $947 higher every month — 34% 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.
Williams against Josephine County and Oregon
| Measure | Williams | Josephine County |
|---|---|---|
| Median home value | $541,400 | $383,100 |
| Median property tax | $2,449 | $2,023 |
| Effective tax rate | 0.452% | 0.528% |
| Median gross rent | — | $1,157 |
| Population | 1,030 | 88,069 |
The weather behind that power bill
Williams sits in Josephine County, which averages a high of 76.7°F in its hottest month and a low of 32.3°F in its coldest, with 40.66" of precipitation a year and 50% of it in a single three-month stretch. That climate drives 276 cooling and 6,116 heating degree days, which is what sets the $146 electricity line above.
See the full climate breakdown for Josephine County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Josephine County
Full Josephine County cost breakdown · Every county in Oregon
Common questions
How much does it cost to own a home in Williams?
A $541,000 home in Williams, Oregon costs approximately $3,728 per month with 20% down at 6.66%. That is $2,781 principal and interest, $204 property tax, $78 homeowners insurance, $214 utilities and $451 set aside for maintenance.
What is the property tax rate in Williams?
Williams has an effective property tax rate of 0.452%, based on a median home value of $541,400 and median real estate taxes of $2,449. That is lower than the Josephine County average of 0.528%.
What is the average home price in Williams?
The median owner-occupied home value in Williams, Oregon is $541,400, against $383,100 across Josephine County.
Is it cheaper to rent or buy in Williams?
Rent data is not published for Williams at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Williams — 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.