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City · 7,508 residents · Umatilla County, Oregon

Umatilla , Oregon

In Umatilla, a typical home is worth $238,500 and typical rent is $1,159 a month. Compared with all of Umatilla County, typical rent is 16% higher and the typical home value is 16% lower.

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  • Typical home value

    $238,500

    16% below the county

    50% below Oregon

    • Umatilla
    • County
    • Oregon

  • Typical rent

    $1,159a month

    16% above the county

    24% below Oregon

    • Umatilla
    • County
    • Oregon

  • Typical household income

    $68,826a year

    About the same as the county

    17% below Oregon

    • Umatilla
    • County
    • Oregon

  • Households that own their home

    70%

    2 points above the county

    7 points above Oregon

    • Umatilla
    • County
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$294,473
2.6% more than 12 months ago

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

Umatilla 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 Umatilla apart

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

  1. Umatilla has the 2nd lowest typical home value of the 105 cities in Oregon with more than 5,000 people ($238,500).

  2. Nearby, in Milton-Freewater, the typical rent is $877: 24% less than in Umatilla ($1,159).

  3. The typical rent in Umatilla is $1,159 a month, 16% more than in Umatilla County as a whole ($997).

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

The homes here

Housing in Umatilla

What homes there are in Umatilla, 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 Umatilla, but it weighs less than in Umatilla County: 53% against 62%.

Mobile homes are 34% of homes in Umatilla, more than in Umatilla County (18%).

Year built

Homes in Umatilla are newer: the typical year built is 1992; in Umatilla County, 1979.

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

$1,330 a month

Umatilla County: $1,640 a month

Without a mortgage

$487 a month

Umatilla County: $547 a month

Owners with a mortgage

59%

Umatilla County: 57%

The typical cost for an owner with a mortgage in Umatilla is $1,330 a month, less than in Umatilla County ($1,640); without one, $487.

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 Umatilla gained value faster than in Umatilla County: 73% against 65%.

Rents in Umatilla rose faster than in Umatilla County: 68% since 2015–2019, against 32%.

Here income did not keep up with housing: it rose 64%, while home values changed +73% and rent +68%.

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

MeasureUmatillaUmatilla 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 2.732.652.422.53
Drive alone 87%76%65%69%
Carpool Unreliable estimate13%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate3%5%3%
Work from home Unreliable estimate7%19%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Umatilla County, a household in Umatilla has 2.73 people on average.

In Umatilla, 87% of workers drive alone to work; in Umatilla County, 76%.

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 Umatilla?

A typical home is tight for the typical income

We start with a typical home in Umatilla, worth $238,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Umatilla, which is $68,826 a year. For that payment to be 28% of income, a household would need to earn about $83,754 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 Umatilla. 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 $8,348 (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

$1,954

at 7.18% · 30 years

Loan amount
$234,180
Total interest
$336,930
Paid off in
November 2056

Includes $4,028 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,606 a month

  • Tight

    $1,606 to $2,065 a month

    Your payment · 34%

  • Hard

    more than $2,065 a month

Compared with the typical household income in Umatilla ($68,826 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,954
Principal & interest$1,586
Property tax$163
Home insurance$99
FHA mortgage insurance (MIP)$105

You need at least $8,348 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

Umatilla and Umatilla County

Umatilla 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).

Umatilla's own numbers

Typical home value
$238,500
Typical monthly rent
$1,159
Typical yearly household income
$68,826
Households that own their home
70%
Effective property tax rate
0.82%

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 Umatilla

A typical home in Umatilla is worth $238,500: 16% below the county and 50% below Oregon. With the typical household income in Umatilla ($68,826 a year), a typical home costs 3.5 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.

  • Umatilla 3.5 years
  • County 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

Umatilla 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
  • Umatilla $238,500
  • County $282,600
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Umatilla $1,159
  • County $997
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Umatilla $68,826
  • County $67,728
  • Oregon $83,011
  • United States $80,734
See the full table
Umatilla next to Umatilla County and Oregon
Measure Umatilla Umatilla County Oregon U.S.
Typical home value $238,500 $282,600 $477,600 $332,700
Typical monthly rent $1,159 $997 $1,525 $1,413
Typical yearly household income $68,826 $67,728 $83,011 $80,734
Households that own their home 70% 68% 63% 65%
Typical yearly property tax $1,963 $2,557 $3,876 $3,119
Effective property tax rate 0.82% 0.9% 0.81% 0.94%

“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 Umatilla

For a typical $238,500 home in Umatilla, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Umatilla's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,954a month

    Least cash to close
    Down payment
    $8,348
    Cash to close
    $15,503
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $105

  • Conventional, 5% down $1,911a month

    Down payment
    $11,925
    Cash to close
    $19,080
    Rate
    7.18%
    Mortgage insurance
    PMI · $113

  • Conventional, 20% down, no PMI $1,555a month

    Down payment
    $47,700
    Cash to close
    $54,855
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,775a month

    Down payment
    $35,775
    Cash to close
    $42,930
    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 Umatilla and for Umatilla County.

Property tax

Effective rate in Umatilla

0.82%of the home’s value each year

$1,963 a year for the typical owner in Umatilla.

  • Umatilla 0.82%
  • County 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 Umatilla

Typical rent in Umatilla is $1,159 a month: 16% above the county.

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 Umatilla

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Umatilla is in ZIP code 97882.

For 2 bedrooms it is $1,200: $69 more than the fair market rent for Umatilla County ($1,131).

  • 97882 $1,200$1,660

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

HUD lists 2 buildings with rents for lower incomes in Umatilla. These are the largest.

  • Tri-Harbor Landing 210 Klickitat St, Umatilla 97882 106 low-income homes · 1 bd: 59 · 2 bd: 43 · 3 bd: 4 · In service since 2005 · For families
  • Links 310 Klickitat St, Umatilla 97882 24 low-income homes · 1 bd: 18 · 2 bd: 6 · In service since 2004 · For older adults

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

Free help

Help to buy or rent in Umatilla

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 grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Umatilla

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

The HUD-approved agencies closest to the center of Umatilla, 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 · 73 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 · 92 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 · 125 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 Umatilla

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 Umatilla

HUD’s record names them for Umatilla 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 Umatilla, 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 Umatilla.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Umatilla

Short answers with the numbers for Umatilla 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 Umatilla?

The typical home value in Umatilla is $238,500, 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 Umatilla?

Typical rent in Umatilla is $1,159 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 Umatilla?

Umatilla 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 Umatilla?

The typical homeowner in Umatilla pays $1,963 a year, according to the U.S. Census Bureau. That is 0.82% of the home’s value; in Umatilla County, the rate is 0.9%.

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

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).