Income needed to buy a home
Harney County, OR
$73,024
a year in household income to buy the typical Harney County home with 10% down.
The monthly math
Typical home value$221,363
Down payment (10%)$22,136
Loan$199,227
Principal and interest (7.40%)$1,379/mo
Property tax (0.71% a year)$131/mo
Homeowners insurance (estimate)$111/mo
Mortgage insurance$83/mo
Total monthly cost$1,704/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
A stretch
The typical household here earns $55,208 a year, 76% of what it takes.
In Oregon
Harney County ranks #2 of 36 for the income a home takes, from least to most.
Easiest to afford in Oregon
| County | Typical home | Income needed |
|---|---|---|
| Lake County | $196,055 | $63,786 |
| Gilliam County | $249,477 | $83,011 |
| Grant County | $288,406 | $92,019 |
| Sherman County | $290,073 | $95,731 |
| Baker County | $302,005 | $99,529 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.