The typical owner-occupied home in Gilliam County is worth about $189,300, 60% below the Oregon median of $477,600 and 43% below the national median of $332,700. Owners pay a median $1,904 a year in property taxes, about 1.01% of their home's value, higher than the Oregon rate of 0.81%. The median household earns $66,917 a year, so the median home costs 2.8 times the median income (5.8 times for Oregon). 74% of occupied homes here are lived in by their owners, and 38% of those owners still have a mortgage.
Gilliam County at a glance
| Gilliam County | Oregon | U.S. | |
|---|---|---|---|
| Median home value | $189,300 | $477,600 | $332,700 |
| Median property tax paid per year | $1,904 | $3,876 | $3,119 |
| Property tax as a share of value | 1.01% | 0.81% | 0.94% |
| Median household income | $66,917 | $83,011 | $80,734 |
| Homes lived in by their owners | 74% | 63% | 65% |
| Owner homes with a mortgage | 38% | 65% | 61% |
| Median monthly costs, owners with a mortgage | $1,409 | $2,157 | $1,963 |
| Those costs as a share of the owners' income | 19.1% | 22.4% | 21.0% |
| Median rent | $1,125 | $1,525 | $1,413 |
| Rent as a share of renters' income | 24.8% | 31.3% | 30.6% |
| Median year homes were built | 1961 | 1981 | 1980 |
| Vacant homes | 23.1% | 7.5% | 10.1% |
| Population | 1,971 | 4,254,293 | 334,922,499 |
What a typical home costs per month in Gilliam County
At this week's average 30-year rate of 7.11%, buying the median Gilliam County home of $189,300 with 20% down costs about $1,257 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,572, 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 $53,869 for the 20%-down payment. That payment is 23% of the median Gilliam County household income of $66,917; at that income and 20% down, the 28% guideline points to a home of about $235,000.
The median rent here is $1,125 a month, so owning the median home costs about $132 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $37,860 |
|---|---|
| Loan amount | $151,440 |
| Principal and interest | $1,019 |
| Property taxes (1.01% a year) | $159 |
| Homeowners insurance (our estimate, 0.5% a year) | $79 |
| PMI | $0 |
| Total per month | $1,257 |
Change the numbers in the calculator
| Down payment | $6,626 |
|---|---|
| Loan amount | $185,871 |
| Principal and interest | $1,250 |
| Property taxes (1.01% a year) | $159 |
| Homeowners insurance (our estimate, 0.5% a year) | $79 |
| FHA mortgage insurance | $84 |
| Total per month | $1,572 |
Change the numbers in the calculator
Questions about home buying in Gilliam County
What is the median home value in Gilliam County?
About $189,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Gilliam County?
Homeowners pay a median $1,904 a year, which is about 1.01% 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 Gilliam County?
For the median home with 20% down at 7.11%, the payment is about $1,257 a month. Keeping that under 28% of gross income takes about $53,869 a year.
More about Gilliam County
- Mortgage Refinance in Gilliam County
- Debt Relief in Gilliam County
- Home Equity Loans in Gilliam County
- 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