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City · 16,950 residents · Umatilla County, Oregon

Pendleton , Oregon

In Pendleton, a typical home is worth $287,100 and typical rent is $956 a month. Compared with all of Umatilla County, the share of households that own their home is 11 points lower.

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  • Typical home value

    $287,100

    About the same as the county

    40% below Oregon

    • Pendleton
    • Umatilla
    • Oregon

  • Typical rent

    $956a month

    4% below the county

    37% below Oregon

    • Pendleton
    • Umatilla
    • Oregon

  • Typical household income

    $66,563a year

    About the same as the county

    20% below Oregon

    • Pendleton
    • Umatilla
    • Oregon

  • Households that own their home

    57%

    11 points below the county

    7 points below Oregon

    • Pendleton
    • Umatilla
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$301,449
3.2% more than 12 months ago
Typical rent
$1,435 a month
0.7% less than 12 months ago

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

Pendleton 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Pendleton apart

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

  1. Pendleton has the 4th lowest typical rent of the 102 cities in Oregon with more than 5,000 people ($956).

  2. Nearby, in Umatilla, the typical home value is $238,500: 17% less than in Pendleton ($287,100).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Pendleton rose 3.2%; in Oregon, it barely changed.

  4. 57% of households in Pendleton own their home, against 68% in Umatilla County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Pendleton

What homes there are in Pendleton, 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 Pendleton, 6 in 10 homes are single-family detached houses, about the same as in Umatilla County.

Year built

There are fewer big homes in Pendleton than in Umatilla County: 53% have 3 bedrooms or more, against 63%.

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

The FHA loan limit for Umatilla County is $541,287, and about 91% of owner-occupied homes in Pendleton are worth less than that.

Monthly rent with utilities

With a mortgage

$1,652 a month

Umatilla County: $1,640 a month

Without a mortgage

$628 a month

Umatilla County: $547 a month

Owners with a mortgage

64%

Umatilla County: 57%

Owning costs about the same in Pendleton as in Umatilla County: with a mortgage, $1,652 a month; without one, $628.

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

Much as in Umatilla County, the typical home value in Pendleton rose 67% since 2015–2019.

Since 2015–2019, the typical rent in Pendleton rose 22%, less than in Umatilla County (32%).

The typical household income in Pendleton rose 30% over that time; home values changed +67% and rent +22%.

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

MeasurePendletonUmatilla CountyOregonUnited States
Rental vacancy Unreliable estimate4.8%4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate3.8%3.2%3.4%
People per household 2.432.652.422.53
Drive alone 76%76%65%69%
Carpool 11%13%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate3%5%3%
Work from home 8%7%19%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Pendleton has 2.43 people, fewer than in Umatilla County (2.65).

The car rules in Pendleton: 76% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Pendleton?

A typical home costs more than the typical income allows

We start with a typical home in Pendleton, worth $287,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Pendleton, which is $66,563 a year. For that payment to be 28% of income, a household would need to earn about $102,666 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pendleton. 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 $10,049 (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

$2,396

at 7.18% · 30 years

Loan amount
$281,899
Total interest
$405,587
Paid off in
November 2056

Includes $4,848 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,553 a month

  • Tight

    $1,553 to $1,997 a month

  • Hard

    more than $1,997 a month

    Your payment · 43%

Compared with the typical household income in Pendleton ($66,563 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,396
Principal & interest$1,910
Property tax$239
Home insurance$120
FHA mortgage insurance (MIP)$127

You need at least $10,049 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

Pendleton and Umatilla County

Pendleton 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).

Pendleton's own numbers

Typical home value
$287,100
Typical monthly rent
$956
Typical yearly household income
$66,563
Households that own their home
57%
Effective property tax rate
1%

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.

Everything about Umatilla County

Buying

Buying a home in Pendleton

A typical home in Pendleton is worth $287,100: about the same as the county and 40% below Oregon. With the typical household income in Pendleton ($66,563 a year), a typical home costs 4.3 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.

  • Pendleton 4.3 years
  • Umatilla 4.2 years
  • Oregon 5.8 years
  • United States 4.1 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.

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

Pendleton 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
  • Pendleton $287,100
  • Umatilla $282,600
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Pendleton $956
  • Umatilla $997
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Pendleton $66,563
  • Umatilla $67,728
  • Oregon $83,011
  • United States $80,734
See the full table
Pendleton next to Umatilla County and Oregon
Measure Pendleton Umatilla County Oregon U.S.
Typical home value $287,100 $282,600 $477,600 $332,700
Typical monthly rent $956 $997 $1,525 $1,413
Typical yearly household income $66,563 $67,728 $83,011 $80,734
Households that own their home 57% 68% 63% 65%
Typical yearly property tax $2,871 $2,557 $3,876 $3,119
Effective property tax rate 1% 0.9% 0.81% 0.94%
Renters with high rent for their income 50% 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 Pendleton

For a typical $287,100 home in Pendleton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pendleton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,396a month

    Least cash to close
    Down payment
    $10,049
    Cash to close
    $18,662
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $127

  • Conventional, 5% down $2,343a month

    Down payment
    $14,355
    Cash to close
    $22,968
    Rate
    7.18%
    Mortgage insurance
    PMI · $136

  • Conventional, 20% down, no PMI $1,915a month

    Down payment
    $57,420
    Cash to close
    $66,033
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,180a month

    Down payment
    $43,065
    Cash to close
    $51,678
    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 Pendleton and for Umatilla County.

Property tax

Effective rate in Pendleton

1%of the home’s value each year

$2,871 a year for the typical owner in Pendleton.

  • Pendleton 1%
  • Umatilla 0.9%
  • 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 Umatilla County

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

Homes in the high-risk zone
3.2%
934
Of those, with NFIP insurance
18%
County Oregon U.S.
Homes in the high-risk zone 3.2% 2.8% 3.5%
Of those, with NFIP insurance 18% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pendleton

Typical rent in Pendleton is $956 a month: 4% below the county. In Pendleton, 50% 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.

HUD fair market rent for all of Umatilla 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 $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 Pendleton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pendleton is in ZIP code 97801.

For 2 bedrooms it is $1,120: $11 less than the fair market rent for Umatilla County ($1,131).

  • 97801 $1,120$1,560

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

HUD lists 11 buildings with rents for lower incomes in Pendleton. These are the largest.

  • Mission Creek 51 Umatilla Loop, Pendleton 97801 58 low-income homes · In service since 1997 · For older adults, families
  • Oregon Trail Manor 2430 SW Perkins Ave, Pendleton 97801 50 low-income homes · For older adults (541) 276-0168
  • Hailey Place Apts 600 SW 30th St, Pendleton 97801 48 low-income homes · In service since 1997 · For families
  • Indian Hills 1335 SW 2nd St, Pendleton 97801 48 low-income homes · 1 bd: 18 · 2 bd: 24 · 3 bd: 6 · In service since 2007 · For families
  • Pendleton Riverside 1300A NW Carden Ave, Pendleton 97801 40 low-income homes · For families (541) 276-7223

See all 29 buildings in Umatilla County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Pendleton

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.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Pendleton

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

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

  • Community Connection of Northeast Oregon, Inc.

    2802 Adams Ave, La Grande · 44 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (541) 963-3186

  • Columbia Cascade Housing Corporations Housing Resource Center

    500 E 2nd St, The Dalles · 114 miles away · Spanish

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

  • Neighborimpact - Madras Housing Center

    374 SW 5th St, Madras · 134 miles away · Spanish

    Also serves in American Sign Language (ASL).

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

All counseling agencies in Oregon

Help in Spanish near Pendleton

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 Pendleton

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

  • Housing Authority of the County of Umatilla Public housing and Section 8 vouchers (541) 567-3241

All housing agencies in Oregon Source: HUD

Cities

Other cities in Umatilla County

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

Everything about Umatilla County Housing in Oregon

Nearby cities

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

Neighboring counties

If Umatilla 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 Pendleton.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Pendleton

Short answers with the numbers for Pendleton 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 Pendleton?

The typical home value in Pendleton is $287,100, 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 Pendleton?

Typical rent in Pendleton is $956 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 Pendleton?

Pendleton 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 Pendleton?

The typical homeowner in Pendleton pays $2,871 a year, according to the U.S. Census Bureau. That is 1% of the home’s value; in Umatilla County, the rate is 0.9%.

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

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.

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).