The typical owner-occupied home in Haines is worth about $111,500, 77% below the Oregon median of $477,600 and 66% below the national median of $332,700. Owners pay a median $1,111 a year in property taxes, about 1.00% of their home's value, higher than the Oregon rate of 0.81%. The median household earns $49,896 a year, so the median home costs 2.2 times the median income (5.8 times for Oregon). 87% of occupied homes here are lived in by their owners, and 52% of those owners still have a mortgage.
Haines at a glance
| Haines | Oregon | U.S. | |
|---|---|---|---|
| Median home value | $111,500 | $477,600 | $332,700 |
| Median property tax paid per year | $1,111 | $3,876 | $3,119 |
| Property tax as a share of value | 1.00% | 0.81% | 0.94% |
| Median household income | $49,896 | $83,011 | $80,734 |
| Homes lived in by their owners | 87% | 63% | 65% |
| Owner homes with a mortgage | 52% | 65% | 61% |
| Median monthly costs, owners with a mortgage | $1,211 | $2,157 | $1,963 |
| Those costs as a share of the owners' income | 21.5% | 22.4% | 21.0% |
| Median rent | $817 | $1,525 | $1,413 |
| Rent as a share of renters' income | 17.9% | 31.3% | 30.6% |
| Median year homes were built | 1975 | 1981 | 1980 |
| Vacant homes | 16.7% | 7.5% | 10.1% |
| Population | 209 | 4,254,293 | 334,922,499 |
What a typical home costs per month in Haines
At this week's average 30-year rate of 7.11%, buying the median Haines home of $111,500 with 20% down costs about $739 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $925, 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 $31,690 for the 20%-down payment. That payment is 18% of the median Haines household income of $49,896; at that income and 20% down, the 28% guideline points to a home of about $176,000.
The median rent here is $817 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $22,300 |
|---|---|
| Loan amount | $89,200 |
| Principal and interest | $600 |
| Property taxes (1.00% a year) | $93 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| PMI | $0 |
| Total per month | $739 |
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| Down payment | $3,902 |
|---|---|
| Loan amount | $109,480 |
| Principal and interest | $736 |
| Property taxes (1.00% a year) | $93 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| FHA mortgage insurance | $49 |
| Total per month | $925 |
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Questions about home buying in Haines
What is the median home value in Haines?
About $111,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Haines?
Homeowners pay a median $1,111 a year, which is about 1.00% 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 Haines?
For the median home with 20% down at 7.11%, the payment is about $739 a month. Keeping that under 28% of gross income takes about $31,690 a year.
More about Haines
- Mortgage Refinance in Haines
- Debt Relief in Haines
- Home Equity Loans in Haines
- 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