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Cost of homeownership in Gilliam County, Oregon

Real dollar cost of ownership, rent-vs-buy analysis, and flood risk, backed by Census ACS, FEMA, and FHFA data. Population: 1,983.

Median home value
$151,500
Median property tax
$1,415
Monthly owner cost
$1,394
with mortgage
Affordability (cost % of income)
17.6%

Total annual ownership cost

Breakdown of what owning a typical home in Gilliam County costs each year.

  • Property taxes$1,415
  • Insurance estimate$1,500
  • Utilities / energy$1,660
  • Maintenance (1% of value)$1,515
  • Total$6,090/yr · $507/mo

Insurance and energy figures typically vary by property. Adjust in the calculators for a personalized estimate.

Total
$6,090
/ year

Rent vs. buy in Gilliam County

Pre-filled with local median home value, median gross rent (Census ACS / HUD FMR), and current FRED rate.

Home price trend in Oregon

FHFA House Price Index, quarterly.

vs. Oregon average
Home value below state average.
Property tax below state average.
Homeownership
74.6%

Share of units owner-occupied (Census ACS).

Median household income
$58,409

Census ACS 5-year estimate.

Housing cost burden in Gilliam County

Share of households paying 30% or more of income on housing (HUD CHAS 2017-2021). HUD does not publish county-level CHAS rollups through the public API, so Oregon state data is shown for local context alongside the US average.

Oregon: 30%+ cost burdened
50.1%
1,047,165 households surveyed
Oregon: severely burdened (50%+)
23.0%
Paying at least half of income on housing.
Owner vs renter burden
Owner 30%+: 38.4%
Renter 30%+: 34.2%
Renters typically carry a heavier cost burden than owners with a fixed-rate mortgage.

Affordability by income bracket

Monthly 30% housing budget at each income vs the median owner cost in Gilliam County. Bars above the dashed line can absorb this county's typical ownership cost.

HUD area median income (4-person household) for Oregon: $105,800. Income limits define 80% AMI at $84,650 and 50% AMI at $52,900.

Frequently asked questions

How much does it cost to own a home in Gilliam County?

Based on Census ACS, typical total annual cost in Gilliam County is around $6,090 ($507 per month), covering property tax, insurance estimate, utilities, and 1% maintenance. Your actual cost varies by home age, size, and location within the county.

What is the property tax in Gilliam County?

Median annual property tax is $1,415 on the county's median home value of $151,500 (Census ACS).

Is it cheaper to rent or buy in Gilliam County?

Annual ownership cost is roughly 53% lower than annual rent at the county's median. Use the calculator below to model your specific situation.

What is the flood risk in Gilliam County?

FEMA NFIP data for Gilliam County is pending.

Data sources

Disclaimer. HomeRule is not a real estate agent, lender, appraiser, or financial advisor. This content is for educational and informational purposes only. Actual costs vary significantly by property, location, and individual circumstances. Consult qualified professionals for personalized advice.