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City · 8,361 residents · Hood River County, Oregon

Hood River , Oregon

In Hood River, a typical home is worth $684,100 and typical rent is $1,480 a month. Compared with all of Hood River County, the share of households that own their home is 16 points lower.

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  • Typical home value

    $684,100

    4% above the county

    43% above Oregon

    • Hood River
    • County
    • Oregon

  • Typical rent

    $1,480a month

    4% above the county

    3% below Oregon

    • Hood River
    • County
    • Oregon

  • Typical household income

    $85,647a year

    4% below the county

    3% above Oregon

    • Hood River
    • County
    • Oregon

  • Households that own their home

    53%

    16 points below the county

    10 points below Oregon

    • Hood River
    • County
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$704,715
2.7% more than 12 months ago
Typical rent
$2,607 a month
35.8% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Hood River is in Hood River County. The FHA loan limit ($762,450 for a one-unit home), the fair market rents and the help on this page are those of all of Hood River County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hood River apart

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

  1. Nearby, in The Dalles, the typical home value is $360,800: 47% less than in Hood River ($684,100).

  2. Nearby, in The Dalles, the typical rent is $993: 33% less than in Hood River ($1,480).

  3. 53% of households in Hood River own their home, against 69% in Hood River County.

  4. Hood River has the 11th highest typical home value of the 105 cities in Oregon with more than 5,000 people ($684,100).

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

The homes here

Housing in Hood River

What homes there are in Hood River, 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

The detached house is still the most common home in Hood River, but it weighs less than in Hood River County: 58% against 72%.

Year built

The typical home in Hood River was built in 1989, 5 years after the typical one in Hood River County.

There are fewer big homes in Hood River than in Hood River County: 54% have 3 bedrooms or more, against 69%.

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

$2,466 a month

Hood River County: $2,350 a month

Without a mortgage

$725 a month

Hood River County: $666 a month

Owners with a mortgage

64%

Hood River County: 58%

The typical cost for an owner with a mortgage in Hood River is $2,466 a month, near the figure in Hood River County ($2,350).

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

Since 2015–2019, homes in Hood River gained value faster than in Hood River County: 93% against 77%.

Rents in Hood River rose faster than in Hood River County: 30% since 2015–2019, against 25%.

The typical household income in Hood River rose 42% over that time; home values changed +93% and rent +30%.

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

MeasureHood RiverHood River 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 estimate3.0%3.2%3.4%
People per household 2.302.572.422.53
Drive alone 54%62%65%69%
Carpool Unreliable estimate10%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike 12%5%5%3%
Work from home 26%20%19%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.30 on average, against 2.57 in Hood River County.

In Hood River, 12% of workers walk or bike to work; in Hood River County, 5%.

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 Hood River?

A typical home costs more than the typical income allows

We start with a typical home in Hood River, worth $684,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 77% of the typical household income in Hood River, which is $85,647 a year. For that payment to be 28% of income, a household would need to earn about $235,348 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hood River. 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 $23,944 (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

$5,491

at 7.18% · 30 years

Loan amount
$671,709
Total interest
$966,431
Paid off in
November 2056

Includes $11,553 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,998 a month

  • Tight

    $1,998 to $2,569 a month

  • Hard

    more than $2,569 a month

    Your payment · 77%

Compared with the typical household income in Hood River ($85,647 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,491
Principal & interest$4,550
Property tax$353
Home insurance$285
FHA mortgage insurance (MIP)$303

You need at least $23,944 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

Hood River and Hood River County

Hood River is in Hood River 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).

Hood River's own numbers

Typical home value
$684,100
Typical monthly rent
$1,480
Typical yearly household income
$85,647
Households that own their home
53%
Effective property tax rate
0.62%

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

Numbers for all of Hood River County

FHA limit, one-unit home
$762,450
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,888
Price change over 5 years (FHFA)
+49%

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 Hood River County.

Everything about Hood River County

Buying

Buying a home in Hood River

A typical home in Hood River is worth $684,100: 4% above the county and 43% above Oregon. With the typical household income in Hood River ($85,647 a year), a typical home costs 8.0 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.

  • Hood River 8.0 years
  • County 7.4 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Hood River County

According to FHFA’s house price index, home prices in Hood River County rose 106% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) +1.9% +0.9% +2.9%
5 years (2020–2025) +49% +35% +47%
10 years (2015–2025) +106% +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

Hood River next to Hood River 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
  • Hood River $684,100
  • County $660,000
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Hood River $1,480
  • County $1,417
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Hood River $85,647
  • County $88,947
  • Oregon $83,011
  • United States $80,734
See the full table
Hood River next to Hood River County and Oregon
Measure Hood River Hood River County Oregon U.S.
Typical home value $684,100 $660,000 $477,600 $332,700
Typical monthly rent $1,480 $1,417 $1,525 $1,413
Typical yearly household income $85,647 $88,947 $83,011 $80,734
Households that own their home 53% 69% 63% 65%
Typical yearly property tax $4,261 $3,515 $3,876 $3,119
Effective property tax rate 0.62% 0.53% 0.81% 0.94%
Renters with high rent for their income 53% 49% 52% 51%

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

For a typical $684,100 home in Hood River, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hood River's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,491a month

    Least cash to close
    Down payment
    $23,944
    Cash to close
    $44,467
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $303

  • Conventional, 5% down $5,366a month

    Down payment
    $34,205
    Cash to close
    $54,728
    Rate
    7.18%
    Mortgage insurance
    PMI · $325

  • Conventional, 20% down, no PMI $4,346a month

    Down payment
    $136,820
    Cash to close
    $157,343
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,978a month

    Down payment
    $102,615
    Cash to close
    $123,138
    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 Hood River and for Hood River County.

Property tax

Effective rate in Hood River

0.62%of the home’s value each year

$4,261 a year for the typical owner in Hood River.

  • Hood River 0.62%
  • County 0.53%
  • 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 Hood River County

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

FEMA’s maps count no homes in the high-risk zone in Hood River 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 Hood River

Typical rent in Hood River is $1,480 a month: 4% above the county. In Hood River, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hood River County, by unit size. To pay the 2-bedroom one ($1,888 a month) without spending more than 30% of your income, you would need to earn $36.31 an hour working full time.

HUD fair market rent for all of Hood River 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 $1,338 $25.73 $53,520
1 bedroom $1,443 $27.75 $57,720
2 bedrooms $1,888 $36.31 $75,520
3 bedrooms $2,614 $50.27 $104,560
4 bedrooms $3,156 $60.69 $126,240

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 Hood River

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hood River is in ZIP code 97031.

For 2 bedrooms it is $1,950: $62 more than the fair market rent for Hood River County ($1,888).

  • 97031 $1,950$2,700

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

Low-income apartments

Low-income apartments in Hood River

HUD lists 12 buildings with rents for lower incomes in Hood River. These are the largest.

  • Arends Place II 830 Sieverkropp Dr, Hood River 97031 62 homes, 61 low-income · 1 bd: 35 · 2 bd: 22 · 3 bd: 5 · In service since 2012 · For older adults, people with disabilities, families
  • Indian Creek Village 1585 9th Ct, Hood River 97031 56 low-income homes · 1 bd: 20 · 2 bd: 36 · In service since 2004 · For families
  • Rio Bella 1650 Hope Ave, Hood River 97031 54 low-income homes · 2 bd: 27 · 3 bd: 27 · In service since 2012 · For families
  • Indian Creek Court 1615 9th Ct, Hood River 97031 48 low-income homes · 1 bd: 18 · 2 bd: 25 · 3 bd: 5 · In service since 2011 · For families, people experiencing homelessness (541) 386-6607
  • Arends Place Apts II 2126 Tucker Rd, Hood River 97031 41 low-income homes · 1 bd: 13 · 2 bd: 22 · 3 bd: 6 · In service since 1991

See all 13 buildings in Hood River County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hood River

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 Hood River County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Hood River

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

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

  • Columbia Cascade Housing Corporations Housing Resource Center

    500 E 2nd St, The Dalles · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (541) 296-5462

  • Hacienda Community Development Corporation

    6700 NE Killingsworth St, Portland · 53 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (503) 961-6432

  • Native American Youth and Family Center

    5135 NE Columbia Blvd, Portland · 53 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (503) 288-8177

All counseling agencies in Oregon

Help in Spanish near Hood River

2 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 Hood River

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

All housing agencies in Oregon Source: HUD

Cities

Nearby cities

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

Everything about Hood River County Housing in Oregon

Neighboring counties

If Hood River 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 Hood River.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Hood River

Short answers with the numbers for Hood River and all of Hood River 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 Hood River?

The typical home value in Hood River is $684,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hood River County it is $660,000.

How much does it cost to rent in Hood River?

Typical rent in Hood River is $1,480 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hood River County is $1,888.

What is the FHA loan limit in Hood River?

Hood River uses the FHA limit for all of Hood River County (2026): $762,450 for a one-unit home and $1,466,250 for a four-unit home.

How much property tax do owners pay in Hood River?

The typical homeowner in Hood River pays $4,261 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Hood River County, the rate is 0.53%.

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

We found no HUD-approved counseling agencies with an office in Hood River County; the nearest ones are on this page. 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).