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City · 11,470 residents · Crook County, Oregon

Prineville , Oregon

In Prineville, a typical home is worth $425,900 and typical rent is $1,355 a month. Compared with all of Crook County, typical household income is 11% lower, the typical home value is 9% lower, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $425,900

    9% below the county

    11% below Oregon

    • Prineville
    • Crook
    • Oregon

  • Typical rent

    $1,355a month

    6% above the county

    11% below Oregon

    • Prineville
    • Crook
    • Oregon

  • Typical household income

    $72,980a year

    11% below the county

    12% below Oregon

    • Prineville
    • Crook
    • Oregon

  • Households that own their home

    60%

    14 points below the county

    3 points below Oregon

    • Prineville
    • Crook
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$427,488
0.5% more than 12 months ago
Typical rent
$1,789 a month
3% more than 12 months ago

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

Prineville is in Crook 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 Crook County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Prineville apart

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

  1. Nearby, in Madras, the typical rent is $979: 28% less than in Prineville ($1,355).

  2. Nearby, in Madras, the typical home value is $330,900: 22% less than in Prineville ($425,900).

  3. 60% of households in Prineville own their home, against 74% in Crook County.

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

The homes here

Housing in Prineville

What homes there are in Prineville, 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 Prineville, 7 in 10 homes are single-family detached houses; in Crook County, 7.

Year built

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

$1,713 a month

Crook County: $1,943 a month

Without a mortgage

$535 a month

Crook County: $552 a month

Owners with a mortgage

64%

Crook County: 62%

In Prineville, 64% of owners have a mortgage, and their typical cost is $1,713 a month, against $1,943 in Crook County. Without one it drops to $535.

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 typical home value in Prineville rose 126% since 2015–2019, more than in Crook County (90%).

Since 2015–2019, the typical rent in Prineville rose 62%, more than in Crook County (48%).

To compare: typical income in Prineville rose 104%; the home, +126%; the rent, +62%.

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

MeasurePrinevilleCrook CountyOregonUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room 7.6%4.4%3.2%3.4%
People per household 2.362.422.422.53
Drive alone 80%81%65%69%
Carpool Unreliable estimate4%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimateUnreliable estimate5%3%
Work from home 10%11%19%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 7.6% of households in Prineville live, more than in Crook County (4.4%).

Much as in Crook County, a household in Prineville has 2.36 people on average.

In Prineville, 80% of workers drive alone to work; in Crook County, 81%.

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 Prineville?

A typical home costs more than the typical income allows

We start with a typical home in Prineville, worth $425,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Prineville, which is $72,980 a year. For that payment to be 28% of income, a household would need to earn about $146,673 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Prineville. 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 $14,907 (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

$3,422

at 7.18% · 30 years

Loan amount
$418,185
Total interest
$601,671
Paid off in
November 2056

Includes $7,192 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,703 a month

  • Tight

    $1,703 to $2,189 a month

  • Hard

    more than $2,189 a month

    Your payment · 56%

Compared with the typical household income in Prineville ($72,980 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,422
Principal & interest$2,833
Property tax$224
Home insurance$178
FHA mortgage insurance (MIP)$188

You need at least $14,907 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

Prineville and Crook County

Prineville is in Crook 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).

Prineville's own numbers

Typical home value
$425,900
Typical monthly rent
$1,355
Typical yearly household income
$72,980
Households that own their home
60%
Effective property tax rate
0.63%

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

Numbers for all of Crook County

FHA limit, one-unit home
$718,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,390
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
5.4%

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 Crook County.

Everything about Crook County

Buying

Buying a home in Prineville

A typical home in Prineville is worth $425,900: 9% below the county and 11% below Oregon. With the typical household income in Prineville ($72,980 a year), a typical home costs 5.8 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.

  • Prineville 5.8 years
  • Crook 5.7 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Crook County

According to FHFA’s house price index, home prices in Crook County rose 145% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) +3.3% +0.9% +2.9%
5 years (2020–2025) +52% +35% +47%
10 years (2015–2025) +145% +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

Prineville next to Crook 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
  • Prineville $425,900
  • Crook $467,000
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Prineville $1,355
  • Crook $1,283
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Prineville $72,980
  • Crook $81,965
  • Oregon $83,011
  • United States $80,734
See the full table
Prineville next to Crook County and Oregon
Measure Prineville Crook County Oregon U.S.
Typical home value $425,900 $467,000 $477,600 $332,700
Typical monthly rent $1,355 $1,283 $1,525 $1,413
Typical yearly household income $72,980 $81,965 $83,011 $80,734
Households that own their home 60% 74% 63% 65%
Typical yearly property tax $2,686 $2,972 $3,876 $3,119
Effective property tax rate 0.63% 0.64% 0.81% 0.94%
Renters with high rent for their income 55% 57% 52% 51%

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

For a typical $425,900 home in Prineville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Prineville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,422a month

    Least cash to close
    Down payment
    $14,907
    Cash to close
    $27,684
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $188

  • Conventional, 5% down $3,344a month

    Down payment
    $21,295
    Cash to close
    $34,072
    Rate
    7.18%
    Mortgage insurance
    PMI · $202

  • Conventional, 20% down, no PMI $2,709a month

    Down payment
    $85,180
    Cash to close
    $97,957
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,103a month

    Down payment
    $63,885
    Cash to close
    $76,662
    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 Prineville and for Crook County.

Property tax

Effective rate in Prineville

0.63%of the home’s value each year

$2,686 a year for the typical owner in Prineville.

  • Prineville 0.63%
  • Crook 0.64%
  • 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 Crook County

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

Homes in the high-risk zone
5.4%
646
Of those, with NFIP insurance
26%
County Oregon U.S.
Homes in the high-risk zone 5.4% 2.8% 3.5%
Of those, with NFIP insurance 26% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Prineville

Typical rent in Prineville is $1,355 a month: 6% above the county. In Prineville, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Crook County, by unit size. To pay the 2-bedroom one ($1,390 a month) without spending more than 30% of your income, you would need to earn $26.73 an hour working full time.

HUD fair market rent for all of Crook 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 $968 $18.62 $38,720
1 bedroom $1,063 $20.44 $42,520
2 bedrooms $1,390 $26.73 $55,600
3 bedrooms $1,925 $37.02 $77,000
4 bedrooms $2,323 $44.67 $92,920

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 Prineville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Prineville is in ZIP code 97754.

For 2 bedrooms it is $1,390: the same as the fair market rent for Crook County.

  • 97754 $1,390$1,920

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

HUD lists 5 buildings with rents for lower incomes in Prineville. These are the largest.

  • Ridgeview Commons 449 NE Ridgeview Ct, Prineville 97754 40 low-income homes · 1 bd: 6 · 2 bd: 16 · 3 bd: 16 · 4 bd: 2 · In service since 2003 · For families
  • Riverside Apts (prineville) 611 S Main St, Prineville 97754 40 low-income homes · In service since 1997 · For older adults
  • Ochoco School Apts 440 NW Madras Hwy, Prineville 97754 29 homes, 28 low-income · Studio: 2 · 1 bd: 8 · 2 bd: 16 · 3 bd: 3 · In service since 2018 · For people with disabilities, families
  • Ochoco Manor 601 NW Deer St, Prineville 97754 28 low-income homes · For older adults (541) 447-5811
  • Ironhorse Lodge 435 NE Wayfinder Dr, Prineville 97754 26 homes, 25 low-income · 1 bd: 22 · 2 bd: 4 · In service since 2016 · For older adults, families (541) 447-1590

See all 5 buildings in Crook County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Prineville

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 Crook County; 1 says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Prineville

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

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

  • Neighborimpact - Prineville Housing Center

    457 NE Ochoco Plaza Dr, Prineville · 2 miles away · Spanish

    Also serves in American Sign Language (ASL).

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (541) 323-6567

  • Neighborimpact

    2303 SW 1st St, Redmond · 16 miles away · Spanish

    Also serves in American Sign Language (ASL).

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

  • Neighborimpact- Bend Housing Center

    20310 Empire Ave., Suite A100, Bend · 26 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 Crook County All counseling agencies in Oregon

Help in Spanish near Prineville

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 Prineville

HUD lists no housing authority with an office in Crook 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 Prineville, with the typical home value.

Everything about Crook County Housing in Oregon

Neighboring counties

If Crook 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 Prineville.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Prineville

Short answers with the numbers for Prineville and all of Crook 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 Prineville?

The typical home value in Prineville is $425,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Crook County it is $467,000.

How much does it cost to rent in Prineville?

Typical rent in Prineville is $1,355 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Crook County is $1,390.

What is the FHA loan limit in Prineville?

Prineville uses the FHA limit for all of Crook 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 Prineville?

The typical homeowner in Prineville pays $2,686 a year, according to the U.S. Census Bureau. That is 0.63% of the home’s value; in Crook County, the rate is 0.64%.

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

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