In Hermiston, a typical home is worth $266,700 and typical rent is $1,088 a month. Compared with all of Umatilla County, typical rent is 9% higher, the typical home value is 6% lower, and the share of households that own their home is 6 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $291,452 to $344,268.
Typical rent
$1,688a month
▲ 5.7% more than 12 months ago
Typical rent from Zillow, September 2025 to September 2026: from $1,596 to $1,688.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Hermiston is in Umatilla 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 Umatilla County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Milton-Freewater, the typical rent is $877: 19% less than in Hermiston ($1,088).
2
Hermiston has the 7th lowest typical home value of the 105 cities in Oregon with more than 5,000 people ($266,700).
3
62% of households in Hermiston own their home, against 68% in Umatilla County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Hermiston
What homes there are in Hermiston, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Hermiston
Umatilla County
Oregon
United States
Kind of home: Hermiston and its comparisons
Measure
Hermiston
Umatilla County
Oregon
United States
Detached house
57%
62%
63%
61%
Attached house
Unreliable estimate
3%
5%
6%
Building of 2 to 4
12%
7%
7%
8%
Apartments (5 or more)
15%
10%
18%
19%
Mobile home
14%
18%
7%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Hermiston (57%), but less so than in Umatilla County (62%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Hermiston
Umatilla County
Oregon
United States
Year built: Hermiston and its comparisons
Measure
Hermiston
Umatilla County
Oregon
United States
Before 1960
16%
30%
23%
26%
1960–1979
27%
23%
26%
24%
1980–1999
26%
27%
25%
25%
2000–2009
19%
13%
14%
14%
2010 or later
13%
8%
12%
11%
Homes in Hermiston are newer: the typical year built is 1986; in Umatilla County, 1979.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K16%
$100K–$200K11%
$200K–$300K34%
$300K–$500K35%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Hermiston and its comparisons
Measure
Hermiston
Under $100K
16%
$100K–$200K
11%
$200K–$300K
34%
$300K–$500K
35%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 95% of owner-occupied homes in Hermiston sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99932%
$1,000–$1,49949%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Hermiston and its comparisons
Measure
Hermiston
Under $500
Unreliable estimate
$500–$999
32%
$1,000–$1,499
49%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,616 a month
Umatilla County: $1,640 a month
Without a mortgage
$567 a month
Umatilla County: $547 a month
Owners with a mortgage
66%
Umatilla County: 57%
In Hermiston, 66% of owners have a mortgage; their typical cost is $1,616 a month, about the same as in Umatilla County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Hermiston+62%
Umatilla County+65%
Oregon+53%
United States+53%
Typical rent
Hermiston+43%
Umatilla County+32%
Oregon+37%
United States+33%
Typical household income
Hermiston+24%
Umatilla County+24%
Oregon+32%
United States+29%
Change since 2015–2019: Hermiston and its comparisons
Measure
Hermiston
Umatilla County
Oregon
United States
Typical home value
+62%
+65%
+53%
+53%
Typical rent
+43%
+32%
+37%
+33%
Typical household income
+24%
+24%
+32%
+29%
Homes in Hermiston gained value more slowly than in Umatilla County: 62% since 2015–2019, against 65%.
Rents in Hermiston rose faster than in Umatilla County: 43% since 2015–2019, against 32%.
Housing prices ran ahead of income in Hermiston: typical income rose 24%, against +62% for home values and +43% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Hermiston and its comparisons
Measure
Hermiston
Umatilla County
Oregon
United States
Rental vacancy
Unreliable estimate
4.8%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.7%
0.9%
More than one person per room
6.5%
3.8%
3.2%
3.4%
People per household
2.93
2.65
2.42
2.53
Drive alone
81%
76%
65%
69%
Carpool
13%
13%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
2%
3%
Walk or bike
Unreliable estimate
3%
5%
3%
Work from home
Unreliable estimate
7%
19%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
More households are short on space in Hermiston: 6.5% have more than one person per room; in Umatilla County, 3.8%.
More people live in each home here: 2.93 on average, against 2.65 in Umatilla County.
The car rules in Hermiston: 81% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Hermiston?
A typical home costs more than the typical income allows
We start with a typical home in Hermiston, worth $266,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Hermiston, which is $66,998 a year. For that payment to be 28% of income, a household would need to earn about $97,657 a year.
The calculator's FHA and conventional loan limits are those of all of Umatilla County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Hermiston. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $9,335 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,279
at 7.18% · 30 years
Loan amount
$261,869
Total interest
$376,768
Paid off in
November 2056
Includes $4,504 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,563 a month
Tight
$1,563 to $2,010 a month
Hard
more than $2,010 a month
Your payment · 41%
Compared with the typical household income in Hermiston ($66,998 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,774
Property tax
$276
Home insurance
$111
FHA mortgage insurance (MIP)
$118
You need at least $9,335 for the down payment, plus closing costs.
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.
Total monthly payment $2,279; principal and interest $1,774.
The city and its county
Hermiston and Umatilla County
Hermiston is in Umatilla 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).
Hermiston
Map of Umatilla County, Oregon, with Hermiston marked. Around it, the neighboring counties.
Hermiston
Umatilla County
Other cities with a page
Hermiston's own numbers
Typical home value
$266,700
Typical monthly rent
$1,088
Typical yearly household income
$66,998
Households that own their home
62%
Effective property tax rate
1.24%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Umatilla County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,131
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
3.2%
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 Umatilla County.
A typical home in Hermiston is worth $266,700: 6% below the county and 44% below Oregon. With the typical household income in Hermiston ($66,998 a year), a typical home costs 4.0 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.
Hermiston4.0 years
Umatilla4.2 years
Oregon5.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Umatilla County
According to FHFA’s house price index, home prices in Umatilla County rose 102% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Umatilla County.
Yearly change in FHFA’s price index in Umatilla County, 2016 to 2025
2016: +4.0% +4.0% 2016
2017: +7.2% +7.2% 2017
2018: +8.4% +8.4% 2018
2019: +7.1% +7.1% 2019
2020: +5.6% +5.6% 2020
2021: +14.3% +14.3% 2021
2022: +16.8% +16.8% 2022
2023: +3.7% +3.7% 2023
2024: +1.7% +1.7% 2024
2025: +5.3% +5.3% 2025
Change in FHFA’s price index in Umatilla County, Oregon and the United States
Period
County
Oregon
U.S.
Last year (2025)
+5.3%
+0.9%
+2.9%
5 years (2020–2025)
+48%
+35%
+47%
10 years (2015–2025)
+102%
+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
Hermiston next to Umatilla 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
Hermiston$266,700
Umatilla$282,600
Oregon$477,600
United States$332,700
Typical monthly rent
Hermiston$1,088
Umatilla$997
Oregon$1,525
United States$1,413
Typical yearly household income
Hermiston$66,998
Umatilla$67,728
Oregon$83,011
United States$80,734
See the full table
Hermiston next to Umatilla County and Oregon
Measure
Hermiston
Umatilla County
Oregon
U.S.
Typical home value
$266,700 ▼6% below the county
$282,600
$477,600
$332,700
Typical monthly rent
$1,088 ▲9% above the county
$997
$1,525
$1,413
Typical yearly household income
$66,998
$67,728
$83,011
$80,734
Households that own their home
62% ▼6 points below the county
68%
63%
65%
Typical yearly property tax
$3,317 ▲30% above the county
$2,557
$3,876
$3,119
Effective property tax rate
1.24% ▲0.34 points above the county
0.9%
0.81%
0.94%
Renters with high rent for their income
49% ▲5 points above the county
44%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Umatilla 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 Hermiston
For a typical $266,700 home in Hermiston, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hermiston's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,279a month
Least cash to close
Down payment
$9,335
Cash to close
$17,336
Rate
7.18%
Mortgage insurance
FHA MIP · $118
Conventional, 5% down$2,230a month
Down payment
$13,335
Cash to close
$21,336
Rate
7.18%
Mortgage insurance
PMI · $127
Conventional, 20% down, no PMI$1,832a month
Down payment
$53,340
Cash to close
$61,341
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,079a month
Down payment
$40,005
Cash to close
$48,006
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Hermiston
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,279
$9,335
$261,869
7.18%
FHA MIP · $118
$17,336
580
Conventional, 5% down
$2,230
$13,335
$253,365
7.18%
PMI · $127
$21,336
620*
Conventional, 20% down, no PMI
$1,832
$53,340
$213,360
7.18%
None
$61,341
620*
ITIN, 15% down (example)
$2,079
$40,005
$226,695
8.18%
None
$48,006
Set by the lender
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.
Typical rent in Hermiston is $1,088 a month: 9% above the county. In Hermiston, 49% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Umatilla County, by unit size. To pay the 2-bedroom one ($1,131 a month) without spending more than 30% of your income, you would need to earn $21.75 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Umatilla County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$788
$15.15
$31,520
1 bedroom
$865
$16.63
$34,600
2 bedrooms
$1,131
$21.75
$45,240
3 bedrooms
$1,566
$30.12
$62,640
4 bedrooms
$1,873
$36.02
$74,920
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 Hermiston
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hermiston is in ZIP code 97838.
For 2 bedrooms it is $1,210: $79 more than the fair market rent for Umatilla County ($1,131).
Fair market rent by ZIP code and size in Hermiston, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
97838
$840
$920
$1,210
$1,680
$1,990
ZIP code2 bd3 bd
97838 $1,210$1,680
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hermiston 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 13 buildings with rents for lower incomes in Hermiston. These are the largest.
Golden Manor980 W Hermiston Ave, Hermiston 97838119 homes, 118 low-income · Run by Housing Authority of the County of Umatilla · Average payment: $437 a month · Average wait: 10 months(541) 567-3241
Buttercreek Apts400 SW 11th St, Hermiston 9783886 homes, 85 low-income · 1 bd: 52 · 2 bd: 34 · In service since 2010
Viewcrest Apts525 SW 13th Pl, Hermiston 9783864 low-income homes · 2 bd: 40 · 3 bd: 24 · In service since 1999 · For families
4th ST Aspens530 NE Aspen Dr, Hermiston 9783848 low-income homes · 1 bd: 8 · 2 bd: 30 · 3 bd: 10 · In service since 2005 · For older adults, families
Ridgeway Village725 W Ridgeway Ave, Hermiston 9783840 low-income homes · For families(541) 567-2723
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.
We found no HUD-approved agencies with an office in Umatilla County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Hermiston or Umatilla County. The ones below are statewide in Oregon: they work in Hermiston the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Hermiston or Umatilla County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Hermiston and all of Umatilla 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 Hermiston?
The typical home value in Hermiston is $266,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Umatilla County it is $282,600.
How much does it cost to rent in Hermiston?
Typical rent in Hermiston is $1,088 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Umatilla County is $1,131.
What is the FHA loan limit in Hermiston?
Hermiston uses the FHA limit for all of Umatilla 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 Hermiston?
The typical homeowner in Hermiston pays $3,317 a year, according to the U.S. Census Bureau. That is 1.24% of the home’s value; in Umatilla County, the rate is 0.9%.
Where can I find free help to buy or rent in Hermiston?
We found no HUD-approved counseling agencies with an office in Umatilla County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
