The typical owner-occupied home in Warm Springs is worth about $223,800, 53% below the Oregon median of $477,600 and 33% below the national median of $332,700. The median household earns $54,600 a year, so the median home costs 4.1 times the median income (5.8 times for Oregon). 53% of occupied homes here are lived in by their owners, and 47% of those owners still have a mortgage.
Warm Springs at a glance
| Warm Springs | Oregon | U.S. | |
|---|---|---|---|
| Median home value | $223,800 | $477,600 | $332,700 |
| Median property tax paid per year | – | $3,876 | $3,119 |
| Median household income | $54,600 | $83,011 | $80,734 |
| Homes lived in by their owners | 53% | 63% | 65% |
| Owner homes with a mortgage | 47% | 65% | 61% |
| Median monthly costs, owners with a mortgage | $1,064 | $2,157 | $1,963 |
| Those costs as a share of the owners' income | 14.0% | 22.4% | 21.0% |
| Median rent | $557 | $1,525 | $1,413 |
| Rent as a share of renters' income | 16.0% | 31.3% | 30.6% |
| Median year homes were built | 1990 | 1981 | 1980 |
| Vacant homes | 11.0% | 7.5% | 10.1% |
| Population | 2,480 | 4,254,293 | 334,922,499 |
What a typical home costs per month in Warm Springs
At this week's average 30-year rate of 7.11%, buying the median Warm Springs home of $223,800 with 20% down costs about $1,503 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,876, 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 $64,406 for the 20%-down payment. That payment is 33% of the median Warm Springs household income of $54,600; at that income and 20% down, the 28% guideline points to a home of about $190,000.
The median rent here is $557 a month, so owning the median home costs about $946 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $44,760 |
|---|---|
| Loan amount | $179,040 |
| Principal and interest | $1,204 |
| Property taxes (1.10% a year) | $205 |
| Homeowners insurance (our estimate, 0.5% a year) | $93 |
| PMI | $0 |
| Total per month | $1,503 |
Change the numbers in the calculator
| Down payment | $7,833 |
|---|---|
| Loan amount | $219,746 |
| Principal and interest | $1,478 |
| Property taxes (1.10% a year) | $205 |
| Homeowners insurance (our estimate, 0.5% a year) | $93 |
| FHA mortgage insurance | $99 |
| Total per month | $1,876 |
Change the numbers in the calculator
Questions about home buying in Warm Springs
What is the median home value in Warm Springs?
About $223,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Warm Springs?
For the median home with 20% down at 7.11%, the payment is about $1,503 a month. Keeping that under 28% of gross income takes about $64,406 a year.
More about Warm Springs
- Mortgage Refinance in Warm Springs
- Debt Relief in Warm Springs
- Home Equity Loans in Warm Springs
- 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