The typical owner-occupied home in Umatilla is worth about $227,600, 37% below the Florida median of $359,000 and 32% below the national median of $332,700. Owners pay a median $1,703 a year in property taxes, about 0.75% of their home's value, close to the Florida rate of 0.76%. The median household earns $71,077 a year, so the median home costs 3.2 times the median income (4.8 times for Florida). 69% of occupied homes here are lived in by their owners, and 65% of those owners still have a mortgage.
Umatilla at a glance
| Umatilla | Florida | U.S. | |
|---|---|---|---|
| Median home value | $227,600 | $359,000 | $332,700 |
| Median property tax paid per year | $1,703 | $2,730 | $3,119 |
| Property tax as a share of value | 0.75% | 0.76% | 0.94% |
| Median household income | $71,077 | $74,568 | $80,734 |
| Homes lived in by their owners | 69% | 68% | 65% |
| Owner homes with a mortgage | 65% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,444 | $1,959 | $1,963 |
| Those costs as a share of the owners' income | 23.2% | 23.6% | 21.0% |
| Median rent | $1,950 | $1,669 | $1,413 |
| Rent as a share of renters' income | 43.8% | 35.2% | 30.6% |
| Median year homes were built | 1986 | 1988 | 1980 |
| Vacant homes | 10.2% | 14.7% | 10.1% |
| Population | 3,854 | 22,416,077 | 334,922,499 |
What a typical home costs per month in Umatilla
At this week's average 30-year rate of 7.11%, buying the median Umatilla home of $227,600 with 20% down costs about $1,462 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,841, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $62,655 for the 20%-down payment. That payment is 25% of the median Umatilla household income of $71,077; at that income and 20% down, the 28% guideline points to a home of about $258,000.
The median rent here is $1,950 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $45,520 |
|---|---|
| Loan amount | $182,080 |
| Principal and interest | $1,225 |
| Property taxes (0.75% a year) | $142 |
| Homeowners insurance (our estimate, 0.5% a year) | $95 |
| PMI | $0 |
| Total per month | $1,462 |
Change the numbers in the calculator
| Down payment | $7,966 |
|---|---|
| Loan amount | $223,478 |
| Principal and interest | $1,503 |
| Property taxes (0.75% a year) | $142 |
| Homeowners insurance (our estimate, 0.5% a year) | $95 |
| FHA mortgage insurance | $101 |
| Total per month | $1,841 |
Change the numbers in the calculator
Questions about home buying in Umatilla
What is the median home value in Umatilla?
About $227,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Umatilla?
Homeowners pay a median $1,703 a year, which is about 0.75% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Umatilla?
For the median home with 20% down at 7.11%, the payment is about $1,462 a month. Keeping that under 28% of gross income takes about $62,655 a year.
More about Umatilla
- Mortgage Refinance in Umatilla
- Debt Relief in Umatilla
- Home Equity Loans in Umatilla
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data