The typical owner-occupied home in Oroville is worth about $175,200, 69% below the Washington median of $564,600 and 47% below the national median of $332,700. Owners pay a median $1,348 a year in property taxes, about 0.77% of their home's value, close to the Washington rate of 0.81%. The median household earns $39,755 a year, so the median home costs 4.4 times the median income (5.8 times for Washington). 62% of occupied homes here are lived in by their owners, and 52% of those owners still have a mortgage.
Oroville at a glance
| Oroville | Washington | U.S. | |
|---|---|---|---|
| Median home value | $175,200 | $564,600 | $332,700 |
| Median property tax paid per year | $1,348 | $4,556 | $3,119 |
| Property tax as a share of value | 0.77% | 0.81% | 0.94% |
| Median household income | $39,755 | $98,141 | $80,734 |
| Homes lived in by their owners | 62% | 64% | 65% |
| Owner homes with a mortgage | 52% | 66% | 61% |
| Median monthly costs, owners with a mortgage | $1,174 | $2,445 | $1,963 |
| Those costs as a share of the owners' income | 28.1% | 22.2% | 21.0% |
| Median rent | $738 | $1,760 | $1,413 |
| Rent as a share of renters' income | 32.4% | 30.0% | 30.6% |
| Median year homes were built | 1960 | 1985 | 1980 |
| Vacant homes | 6.4% | 7.3% | 10.1% |
| Population | 1,605 | 7,816,116 | 334,922,499 |
What a typical home costs per month in Oroville
At this week's average 30-year rate of 7.11%, buying the median Oroville home of $175,200 with 20% down costs about $1,128 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,420, 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 $48,355 for the 20%-down payment. That payment is 34% of the median Oroville household income of $39,755; at that income and 20% down, the 28% guideline points to a home of about $144,000.
The median rent here is $738 a month, so owning the median home costs about $390 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $35,040 |
|---|---|
| Loan amount | $140,160 |
| Principal and interest | $943 |
| Property taxes (0.77% a year) | $112 |
| Homeowners insurance (our estimate, 0.5% a year) | $73 |
| PMI | $0 |
| Total per month | $1,128 |
Change the numbers in the calculator
| Down payment | $6,132 |
|---|---|
| Loan amount | $172,027 |
| Principal and interest | $1,157 |
| Property taxes (0.77% a year) | $112 |
| Homeowners insurance (our estimate, 0.5% a year) | $73 |
| FHA mortgage insurance | $77 |
| Total per month | $1,420 |
Change the numbers in the calculator
Questions about home buying in Oroville
What is the median home value in Oroville?
About $175,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Oroville?
Homeowners pay a median $1,348 a year, which is about 0.77% 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 Oroville?
For the median home with 20% down at 7.11%, the payment is about $1,128 a month. Keeping that under 28% of gross income takes about $48,355 a year.
More about Oroville
- Mortgage Refinance in Oroville
- Debt Relief in Oroville
- Home Equity Loans in Oroville
- 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