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City · 5,160 residents · Jefferson County, Oregon

Crooked River Ranch , Oregon

In Crooked River Ranch, a typical home is worth $462,300. Compared with all of Jefferson County, the typical home value is 24% higher, typical household income is 12% higher, and the share of households that own their home is 19 points higher.

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  • Typical home value

    $462,300

    24% above the county

    3% below Oregon

    • Crooked River Ranch
    • Jefferson
    • Oregon

  • Typical household income

    $85,561a year

    12% above the county

    3% above Oregon

    • Crooked River Ranch
    • Jefferson
    • Oregon

  • Households that own their home

    91%

    19 points above the county

    28 points above Oregon

    • Crooked River Ranch
    • Jefferson
    • Oregon

Source: U.S. Census Bureau, Average 2020–2024

Crooked River Ranch is in Jefferson County. The FHA loan limit ($718,750 for a one-unit home), the fair market rents and the help on this page are those of all of Jefferson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Crooked River Ranch apart

What this place has that others do not, from public data, most unusual first.

  1. Crooked River Ranch has the highest homeownership rate of the 105 cities in Oregon with more than 5,000 people: 91%.

  2. Nearby, in Madras, the typical home value is $330,900: 28% less than in Crooked River Ranch ($462,300).

  3. The typical home in Crooked River Ranch is worth $462,300, 24% more than in Jefferson County as a whole ($374,200).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Crooked River Ranch

What homes there are in Crooked River Ranch, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

As in Jefferson County, most homes in Crooked River Ranch are detached houses (76%).

There are more mobile homes here than in Jefferson County: 24% of homes, against 16%.

Year built

Homes in Crooked River Ranch are newer: the typical year built is 1998; in Jefferson County, 1991.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,959 a month

Jefferson County: $1,809 a month

Without a mortgage

$605 a month

Jefferson County: $539 a month

Owners with a mortgage

67%

Jefferson County: 62%

Owning costs more in Crooked River Ranch: with a mortgage, the typical cost is $1,959 a month; in Jefferson County, $1,809. Without one, $605.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The Census does not compare Crooked River Ranch with 2015–2019 because its boundaries changed. In Jefferson County, over that time, the typical home value rose 67%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCrooked River RanchJefferson CountyOregonUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate4.3%3.2%3.4%
People per household 2.362.732.422.53
Drive alone 74%74%65%69%
Carpool Unreliable estimate14%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimateUnreliable estimate5%3%
Work from home 21%9%19%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 30 to 39 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Crooked River Ranch has 2.36 people, fewer than in Jefferson County (2.73).

In Crooked River Ranch, 21% of workers work from home, more than in Jefferson County (9%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Crooked River Ranch?

A typical home costs more than the typical income allows

We start with a typical home in Crooked River Ranch, worth $462,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 52% of the typical household income in Crooked River Ranch, which is $85,561 a year. For that payment to be 28% of income, a household would need to earn about $159,043 a year.

The calculator's FHA and conventional loan limits are those of all of Jefferson County.

Your numbers

Local data
$

Starts at the typical home value in Crooked River Ranch. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $16,181 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,711

at 7.18% · 30 years

Loan amount
$453,926
Total interest
$653,093
Paid off in
November 2056

Includes $7,807 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,996 a month

  • Tight

    $1,996 to $2,567 a month

  • Hard

    more than $2,567 a month

    Your payment · 52%

Compared with the typical household income in Crooked River Ranch ($85,561 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,711
Principal & interest$3,075
Property tax$239
Home insurance$193
FHA mortgage insurance (MIP)$204

You need at least $16,181 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Crooked River Ranch and Jefferson County

Crooked River Ranch is in Jefferson County, Oregon. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Crooked River Ranch's own numbers

Typical home value
$462,300
Typical yearly household income
$85,561
Households that own their home
91%
Effective property tax rate
0.62%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Jefferson County

FHA limit, one-unit home
$718,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,213
Price change over 5 years (FHFA)
+51%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Jefferson County.

Everything about Jefferson County

Buying

Buying a home in Crooked River Ranch

A typical home in Crooked River Ranch is worth $462,300: 24% above the county and 3% below Oregon. With the typical household income in Crooked River Ranch ($85,561 a year), a typical home costs 5.4 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Crooked River Ranch 5.4 years
  • Jefferson 4.9 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jefferson County

According to FHFA’s house price index, home prices in Jefferson County rose 149% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Jefferson County.

Period County Oregon U.S.
Last year (2025) +4.6% +0.9% +2.9%
5 years (2020–2025) +51% +35% +47%
10 years (2015–2025) +149% +86% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Crooked River Ranch next to Jefferson County, Oregon and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Crooked River Ranch $462,300
  • Jefferson $374,200
  • Oregon $477,600
  • United States $332,700
Typical yearly household income
  • Crooked River Ranch $85,561
  • Jefferson $76,260
  • Oregon $83,011
  • United States $80,734
See the full table
Crooked River Ranch next to Jefferson County and Oregon
Measure Crooked River Ranch Jefferson County Oregon U.S.
Typical home value $462,300 $374,200 $477,600 $332,700
Typical yearly household income $85,561 $76,260 $83,011 $80,734
Households that own their home 91% 72% 63% 65%
Typical yearly property tax $2,870 $2,591 $3,876 $3,119
Effective property tax rate 0.62% 0.69% 0.81% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Jefferson County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Crooked River Ranch

For a typical $462,300 home in Crooked River Ranch, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Crooked River Ranch's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,711a month

    Least cash to close
    Down payment
    $16,181
    Cash to close
    $30,050
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $204

  • Conventional, 5% down $3,626a month

    Down payment
    $23,115
    Cash to close
    $36,984
    Rate
    7.18%
    Mortgage insurance
    PMI · $220

  • Conventional, 20% down, no PMI $2,937a month

    Down payment
    $92,460
    Cash to close
    $106,329
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,364a month

    Down payment
    $69,345
    Cash to close
    $83,214
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Crooked River Ranch and for Jefferson County.

Property tax

Effective rate in Crooked River Ranch

0.62%of the home’s value each year

$2,870 a year for the typical owner in Crooked River Ranch.

  • Crooked River Ranch 0.62%
  • Jefferson 0.69%
  • Oregon 0.81%

What Oregon publishes 3 percent cap on maximum assessed value (Measure 50) (Oregon Legislature (Oregon Revised Statutes))

Exemptions and deadlines in Oregon

Flood risk in Jefferson County

FEMA does not publish these numbers by city: they are for all of Jefferson County.

FEMA’s maps count no homes in the high-risk zone in Jefferson County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Crooked River Ranch

The Census Bureau publishes no typical rent for Crooked River Ranch. Below are the fair market rents for Jefferson County.

HUD publishes a fair market rent for all of Jefferson County, by unit size. To pay the 2-bedroom one ($1,213 a month) without spending more than 30% of your income, you would need to earn $23.33 an hour working full time.

HUD fair market rent for all of Jefferson County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $921 $17.71 $36,840
1 bedroom $927 $17.83 $37,080
2 bedrooms $1,213 $23.33 $48,520
3 bedrooms $1,680 $32.31 $67,200
4 bedrooms $1,919 $36.90 $76,760

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Crooked River Ranch

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Crooked River Ranch is in ZIP code 97760.

For 2 bedrooms it is $1,760: $547 more than the fair market rent for Jefferson County ($1,213).

  • 97760 $1,760$2,430

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Crooked River Ranch when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Crooked River Ranch

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Jefferson County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Crooked River Ranch

No down payment, repair or rent-help program on our list is for Crooked River Ranch or Jefferson County. The ones below are statewide in Oregon: they work in Crooked River Ranch the same as in the rest of the state.

Which programs do I qualify for? All programs in Oregon

  • OHCS Down Payment Assistance

    Statewide in Oregon

    Oregon state funds for the down payment and closing costs, delivered by local organizations: up to $60,000 or 20% of the price, sometimes as a grant or as a forgivable second mortgage, for first-time or first-generation buyers with income up to 100% of the area median. Offered by Oregon Housing and Community Services (OHCS).

    GrantForgivable

    See the program Official page

  • FirstHome (Flex Lending)

    Statewide in Oregon

    Oregon Housing and Community Services mortgage for low- and moderate-income first-time buyers, with down payment assistance of 4% or 5% of the loan as a second mortgage. Offered by Oregon Housing and Community Services (OHCS).

    Type not stated

    See the program Official page

  • NextStep (Flex Lending)

    Statewide in Oregon

    Oregon Housing and Community Services mortgage for any buyer, including people who have owned a home before, with down payment assistance of 4% or 5% of the loan as a second mortgage that can be forgivable or repayable. Offered by Oregon Housing and Community Services (OHCS).

    Type not stated

    See the program Official page

Housing counselors near Crooked River Ranch

The HUD-approved agencies closest to the center of Crooked River Ranch, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Neighborimpact

    2303 SW 1st St, Redmond · 13 miles away · Spanish

    Also serves in American Sign Language (ASL).

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (541) 323-6567

  • Neighborimpact - Madras Housing Center

    374 SW 5th St, Madras · 16 miles away · Spanish

    Also serves in American Sign Language (ASL).

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (541) 323-6567

  • Neighborimpact- Bend Housing Center

    20310 Empire Ave., Suite A100, Bend · 23 miles away · Spanish

    Also serves in American Sign Language (ASL).

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (541) 323-6567

Every agency in Jefferson County All counseling agencies in Oregon

Help in Spanish near Crooked River Ranch

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Crooked River Ranch

HUD lists no housing authority with an office in Jefferson County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Oregon Source: HUD

Cities

Other cities in Jefferson County

These cities are also in Jefferson County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Jefferson County Housing in Oregon

Nearby cities

The cities closest to Crooked River Ranch, with the typical home value.

Neighboring counties

If Jefferson County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Crooked River Ranch.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Crooked River Ranch

Short answers with the numbers for Crooked River Ranch and all of Jefferson County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Crooked River Ranch?

The typical home value in Crooked River Ranch is $462,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jefferson County it is $374,200.

What is the FHA loan limit in Crooked River Ranch?

Crooked River Ranch uses the FHA limit for all of Jefferson County (2026): $718,750 for a one-unit home and $1,382,250 for a four-unit home.

How much property tax do owners pay in Crooked River Ranch?

The typical homeowner in Crooked River Ranch pays $2,870 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Jefferson County, the rate is 0.69%.

Where can I find free help to buy or rent in Crooked River Ranch?

There is 1 HUD-approved counseling agency with an office in Jefferson County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).