The typical owner-occupied home in Heppner is worth about $196,300, 59% below the Oregon median of $477,600 and 41% below the national median of $332,700. Owners pay a median $2,079 a year in property taxes, about 1.06% of their home's value, higher than the Oregon rate of 0.81%. The median household earns $49,521 a year, so the median home costs 4.0 times the median income (5.8 times for Oregon). 50% of occupied homes here are lived in by their owners, and 56% of those owners still have a mortgage.
Heppner at a glance
| Heppner | Oregon | U.S. | |
|---|---|---|---|
| Median home value | $196,300 | $477,600 | $332,700 |
| Median property tax paid per year | $2,079 | $3,876 | $3,119 |
| Property tax as a share of value | 1.06% | 0.81% | 0.94% |
| Median household income | $49,521 | $83,011 | $80,734 |
| Homes lived in by their owners | 50% | 63% | 65% |
| Owner homes with a mortgage | 56% | 65% | 61% |
| Median monthly costs, owners with a mortgage | $1,425 | $2,157 | $1,963 |
| Those costs as a share of the owners' income | 15.6% | 22.4% | 21.0% |
| Median rent | $744 | $1,525 | $1,413 |
| Rent as a share of renters' income | 26.3% | 31.3% | 30.6% |
| Median year homes were built | 1957 | 1981 | 1980 |
| Vacant homes | 13.2% | 7.5% | 10.1% |
| Population | 1,277 | 4,254,293 | 334,922,499 |
What a typical home costs per month in Heppner
At this week's average 30-year rate of 7.11%, buying the median Heppner home of $196,300 with 20% down costs about $1,312 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,639, 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 $56,212 for the 20%-down payment. That payment is 32% of the median Heppner household income of $49,521; at that income and 20% down, the 28% guideline points to a home of about $173,000.
The median rent here is $744 a month, so owning the median home costs about $568 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $39,260 |
|---|---|
| Loan amount | $157,040 |
| Principal and interest | $1,056 |
| Property taxes (1.06% a year) | $173 |
| Homeowners insurance (our estimate, 0.5% a year) | $82 |
| PMI | $0 |
| Total per month | $1,312 |
Change the numbers in the calculator
| Down payment | $6,870 |
|---|---|
| Loan amount | $192,745 |
| Principal and interest | $1,297 |
| Property taxes (1.06% a year) | $173 |
| Homeowners insurance (our estimate, 0.5% a year) | $82 |
| FHA mortgage insurance | $87 |
| Total per month | $1,639 |
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Questions about home buying in Heppner
What is the median home value in Heppner?
About $196,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Heppner?
Homeowners pay a median $2,079 a year, which is about 1.06% 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 Heppner?
For the median home with 20% down at 7.11%, the payment is about $1,312 a month. Keeping that under 28% of gross income takes about $56,212 a year.
More about Heppner
- Mortgage Refinance in Heppner
- Debt Relief in Heppner
- Home Equity Loans in Heppner
- 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