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City · 21,246 residents · Marion County, Oregon

Hayesville , Oregon

In Hayesville, a typical home is worth $365,400 and typical rent is $1,435 a month. Compared with all of Marion County, typical household income is 24% lower, the typical home value is 12% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $365,400

    12% below the county

    23% below Oregon

    • Hayesville
    • Marion
    • Oregon

  • Typical rent

    $1,435a month

    About the same as the county

    6% below Oregon

    • Hayesville
    • Marion
    • Oregon

  • Typical household income

    $58,624a year

    24% below the county

    29% below Oregon

    • Hayesville
    • Marion
    • Oregon

  • Households that own their home

    47%

    15 points below the county

    16 points below Oregon

    • Hayesville
    • Marion
    • Oregon

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

Hayesville is in Marion County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Marion County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hayesville apart

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

  1. Hayesville has the 4th lowest homeownership rate of the 105 cities in Oregon with more than 5,000 people (47%).

  2. The typical household income in Hayesville is $58,624, 24% less than in Marion County as a whole ($77,351).

  3. Hayesville has the 8th largest share of rent-burdened renters of the 93 cities in Oregon with more than 5,000 people (61%).

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

The homes here

Housing in Hayesville

What homes there are in Hayesville, 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

In Hayesville there is a bit of everything: no kind of home reaches half. The most common are detached houses (45%); in Marion County, 63%.

Year built

By age, homes in Hayesville look like those in Marion County: the typical year built is 1980.

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

$1,698 a month

Marion County: $1,959 a month

Without a mortgage

$651 a month

Marion County: $660 a month

Owners with a mortgage

65%

Marion County: 66%

The typical cost for an owner with a mortgage in Hayesville is $1,698 a month, less than in Marion County ($1,959); without one, $651.

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

From 2015–2019 to 2020–2024, the typical home value in Hayesville rose 81%; in Marion County, it rose 69%.

The typical rent in Hayesville rose 53% over the same time; in Marion County, it rose 44%.

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

MeasureHayesvilleMarion CountyOregonUnited States
Rental vacancy Unreliable estimate4.4%4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room 14.0%5.2%3.2%3.4%
People per household 2.882.662.422.53
Drive alone 68%70%65%69%
Carpool 19%12%9%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate3%5%3%
Work from home 7%13%19%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 14.0% of households in Hayesville live, more than in Marion County (5.2%).

On average, a household in Hayesville has 2.88 people, more than in Marion County (2.66).

In Hayesville, 19% of workers share a car to get to work; in Marion County, 12%.

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 Hayesville?

A typical home costs more than the typical income allows

We start with a typical home in Hayesville, worth $365,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 61% of the typical household income in Hayesville, which is $58,624 a year. For that payment to be 28% of income, a household would need to earn about $127,795 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hayesville. 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 $12,789 (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

$2,982

at 7.18% · 30 years

Loan amount
$358,782
Total interest
$516,203
Paid off in
November 2056

Includes $6,171 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,368 a month

  • Tight

    $1,368 to $1,759 a month

  • Hard

    more than $1,759 a month

    Your payment · 61%

Compared with the typical household income in Hayesville ($58,624 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,982
Principal & interest$2,431
Property tax$238
Home insurance$152
FHA mortgage insurance (MIP)$162

You need at least $12,789 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

Hayesville and Marion County

Hayesville is in Marion 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).

Hayesville's own numbers

Typical home value
$365,400
Typical monthly rent
$1,435
Typical yearly household income
$58,624
Households that own their home
47%
Effective property tax rate
0.78%

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

Numbers for all of Marion County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,692
Price change over 5 years (FHFA)
+42%
Homes in a high flood-risk zone
2.9%

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 Marion County.

Everything about Marion County

Buying

Buying a home in Hayesville

A typical home in Hayesville is worth $365,400: 12% below the county and 23% below Oregon. With the typical household income in Hayesville ($58,624 a year), a typical home costs 6.2 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.

  • Hayesville 6.2 years
  • Marion 5.4 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Marion County

According to FHFA’s house price index, home prices in Marion County rose 117% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) +2.6% +0.9% +2.9%
5 years (2020–2025) +42% +35% +47%
10 years (2015–2025) +117% +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

Hayesville next to Marion 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
  • Hayesville $365,400
  • Marion $416,400
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Hayesville $1,435
  • Marion $1,414
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Hayesville $58,624
  • Marion $77,351
  • Oregon $83,011
  • United States $80,734
See the full table
Hayesville next to Marion County and Oregon
Measure Hayesville Marion County Oregon U.S.
Typical home value $365,400 $416,400 $477,600 $332,700
Typical monthly rent $1,435 $1,414 $1,525 $1,413
Typical yearly household income $58,624 $77,351 $83,011 $80,734
Households that own their home 47% 62% 63% 65%
Typical yearly property tax $2,856 $3,490 $3,876 $3,119
Effective property tax rate 0.78% 0.84% 0.81% 0.94%
Renters with high rent for their income 61% 54% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Marion 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 Hayesville

For a typical $365,400 home in Hayesville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hayesville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,982a month

    Least cash to close
    Down payment
    $12,789
    Cash to close
    $23,751
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $162

  • Conventional, 5% down $2,915a month

    Down payment
    $18,270
    Cash to close
    $29,232
    Rate
    7.18%
    Mortgage insurance
    PMI · $174

  • Conventional, 20% down, no PMI $2,370a month

    Down payment
    $73,080
    Cash to close
    $84,042
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,708a month

    Down payment
    $54,810
    Cash to close
    $65,772
    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 Hayesville and for Marion County.

Property tax

Effective rate in Hayesville

0.78%of the home’s value each year

$2,856 a year for the typical owner in Hayesville.

  • Hayesville 0.78%
  • Marion 0.84%
  • 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 Marion County

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

Homes in the high-risk zone
2.9%
2,669
Of those, with NFIP insurance
29%
County Oregon U.S.
Homes in the high-risk zone 2.9% 2.8% 3.5%
Of those, with NFIP insurance 29% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hayesville

Typical rent in Hayesville is $1,435 a month: about the same as the county. In Hayesville, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Marion County, by unit size. To pay the 2-bedroom one ($1,692 a month) without spending more than 30% of your income, you would need to earn $32.54 an hour working full time.

HUD fair market rent for all of Marion 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 $1,285 $24.71 $51,400
1 bedroom $1,294 $24.88 $51,760
2 bedrooms $1,692 $32.54 $67,680
3 bedrooms $2,341 $45.02 $93,640
4 bedrooms $2,564 $49.31 $102,560

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 Hayesville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hayesville is in ZIP code 97305.

For 2 bedrooms it is $1,760: $68 more than the fair market rent for Marion County ($1,692).

  • 97305 $1,760$2,440

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hayesville 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 Hayesville

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 Marion County; 1 says it serves in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Hayesville

No down payment, repair or rent-help program on our list is for Hayesville or Marion County. The ones below are statewide in Oregon: they work in Hayesville 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 Hayesville

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

  • DevNW

    528 Cottage St NE Ste 304, Salem · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (503) 779-2680

  • Housing Authority of Yamhill County

    135 NE Dunn Pl, McMinnville · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (503) 883-4300

  • DevNw

    421 High Street, Suite 110, Oregon City · 31 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (503) 655-8974

Every agency in Marion County All counseling agencies in Oregon

Help in Spanish near Hayesville

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 Hayesville

HUD’s record names them for Hayesville or Marion County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Marion County Housing Authority Public housing and Section 8 vouchers (503) 798-4170

One other authority has an office in Marion County: see the list Source: HUD

Cities

Other cities in Marion County

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

Everything about Marion County Housing in Oregon

Nearby cities

The cities closest to Hayesville, with the typical home value.

Neighboring counties

If Marion 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 Hayesville.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Hayesville

Short answers with the numbers for Hayesville and all of Marion 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 Hayesville?

The typical home value in Hayesville is $365,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Marion County it is $416,400.

How much does it cost to rent in Hayesville?

Typical rent in Hayesville is $1,435 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Marion County is $1,692.

What is the FHA loan limit in Hayesville?

Hayesville uses the FHA limit for all of Marion County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Hayesville?

The typical homeowner in Hayesville pays $2,856 a year, according to the U.S. Census Bureau. That is 0.78% of the home’s value; in Marion County, the rate is 0.84%.

Where can I find free help to buy or rent in Hayesville?

There is 1 HUD-approved counseling agency with an office in Marion 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).