The typical owner-occupied home in Pilot Rock is worth about $199,700, 58% below the Oregon median of $477,600 and 40% below the national median of $332,700. Owners pay a median $1,664 a year in property taxes, about 0.83% of their home's value, close to the Oregon rate of 0.81%. The median household earns $89,091 a year, so the median home costs 2.2 times the median income (5.8 times for Oregon). 84% of occupied homes here are lived in by their owners, and 62% of those owners still have a mortgage.
Pilot Rock at a glance
| Pilot Rock | Oregon | U.S. | |
|---|---|---|---|
| Median home value | $199,700 | $477,600 | $332,700 |
| Median property tax paid per year | $1,664 | $3,876 | $3,119 |
| Property tax as a share of value | 0.83% | 0.81% | 0.94% |
| Median household income | $89,091 | $83,011 | $80,734 |
| Homes lived in by their owners | 84% | 63% | 65% |
| Owner homes with a mortgage | 62% | 65% | 61% |
| Median monthly costs, owners with a mortgage | $1,168 | $2,157 | $1,963 |
| Those costs as a share of the owners' income | 13.4% | 22.4% | 21.0% |
| Median rent | $973 | $1,525 | $1,413 |
| Rent as a share of renters' income | 13.6% | 31.3% | 30.6% |
| Median year homes were built | 1957 | 1981 | 1980 |
| Vacant homes | 12.6% | 7.5% | 10.1% |
| Population | 1,283 | 4,254,293 | 334,922,499 |
What a typical home costs per month in Pilot Rock
At this week's average 30-year rate of 7.11%, buying the median Pilot Rock home of $199,700 with 20% down costs about $1,296 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,629, 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 $55,545 for the 20%-down payment. That payment is 17% of the median Pilot Rock household income of $89,091; at that income and 20% down, the 28% guideline points to a home of about $320,000.
The median rent here is $973 a month, so owning the median home costs about $323 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $39,940 |
|---|---|
| Loan amount | $159,760 |
| Principal and interest | $1,075 |
| Property taxes (0.83% a year) | $138 |
| Homeowners insurance (our estimate, 0.5% a year) | $83 |
| PMI | $0 |
| Total per month | $1,296 |
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| Down payment | $6,990 |
|---|---|
| Loan amount | $196,083 |
| Principal and interest | $1,319 |
| Property taxes (0.83% a year) | $138 |
| Homeowners insurance (our estimate, 0.5% a year) | $83 |
| FHA mortgage insurance | $88 |
| Total per month | $1,629 |
Change the numbers in the calculator
Questions about home buying in Pilot Rock
What is the median home value in Pilot Rock?
About $199,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Pilot Rock?
Homeowners pay a median $1,664 a year, which is about 0.83% 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 Pilot Rock?
For the median home with 20% down at 7.11%, the payment is about $1,296 a month. Keeping that under 28% of gross income takes about $55,545 a year.
More about Pilot Rock
- Mortgage Refinance in Pilot Rock
- Debt Relief in Pilot Rock
- Home Equity Loans in Pilot Rock
- 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