The typical owner-occupied home in La Pine is worth about $363,800, 24% below the Oregon median of $477,600 and 9% above the national median of $332,700. Owners pay a median $1,809 a year in property taxes, about 0.50% of their home's value, lower than the Oregon rate of 0.81%. The median household earns $58,365 a year, so the median home costs 6.2 times the median income (5.8 times for Oregon). 58% of occupied homes here are lived in by their owners, and 84% of those owners still have a mortgage.
La Pine at a glance
| La Pine | Oregon | U.S. | |
|---|---|---|---|
| Median home value | $363,800 | $477,600 | $332,700 |
| Median property tax paid per year | $1,809 | $3,876 | $3,119 |
| Property tax as a share of value | 0.50% | 0.81% | 0.94% |
| Median household income | $58,365 | $83,011 | $80,734 |
| Homes lived in by their owners | 58% | 63% | 65% |
| Owner homes with a mortgage | 84% | 65% | 61% |
| Median monthly costs, owners with a mortgage | $1,765 | $2,157 | $1,963 |
| Those costs as a share of the owners' income | 28.6% | 22.4% | 21.0% |
| Median rent | $1,173 | $1,525 | $1,413 |
| Rent as a share of renters' income | 33.3% | 31.3% | 30.6% |
| Median year homes were built | 2001 | 1981 | 1980 |
| Vacant homes | 9.2% | 7.5% | 10.1% |
| Population | 2,547 | 4,254,293 | 334,922,499 |
What a typical home costs per month in La Pine
At this week's average 30-year rate of 7.11%, buying the median La Pine home of $363,800 with 20% down costs about $2,261 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,867, 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 $96,900 for the 20%-down payment. That payment is 46% of the median La Pine household income of $58,365; at that income and 20% down, the 28% guideline points to a home of about $219,000.
The median rent here is $1,173 a month, so owning the median home costs about $1,088 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $72,760 |
|---|---|
| Loan amount | $291,040 |
| Principal and interest | $1,958 |
| Property taxes (0.50% a year) | $152 |
| Homeowners insurance (our estimate, 0.5% a year) | $152 |
| PMI | $0 |
| Total per month | $2,261 |
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| Down payment | $12,733 |
|---|---|
| Loan amount | $357,211 |
| Principal and interest | $2,403 |
| Property taxes (0.50% a year) | $152 |
| Homeowners insurance (our estimate, 0.5% a year) | $152 |
| FHA mortgage insurance | $161 |
| Total per month | $2,867 |
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Questions about home buying in La Pine
What is the median home value in La Pine?
About $363,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in La Pine?
Homeowners pay a median $1,809 a year, which is about 0.50% 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 La Pine?
For the median home with 20% down at 7.11%, the payment is about $2,261 a month. Keeping that under 28% of gross income takes about $96,900 a year.
More about La Pine
- Mortgage Refinance in La Pine
- Debt Relief in La Pine
- Home Equity Loans in La Pine
- 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