Search any US metro area or town 3 of rural Central Oregon's 10 most common jobs can buy a home in Christmas Valley The typical house costs $155,690. At today's 7.32% mortgage rate, buying it takes $45,342 a year.
Home price for Christmas Valley. Rent from HUD for Lake County, scaled to Zillow, jobs for rural Central Oregon, and tax for Lake County. How the estimate works
Rent apt
Rent house
Buy
You
Enter your pay above to add your row
Registered nurses
Can buy
General and operations managers
Can buy
Office clerks, general
Can buy
Waiters and waitresses
Rent over 30%
Home health and personal care aides
Rent over 30%
Stockers and order fillers
Rent over 30%
Teaching assistants
Rent over 30%
Retail salespersons
Rent over 30%
Cashiers
Rent over 30%
Fast food and counter workers
Rent over 30%
Each line is the yearly pay where that home fits the rule: rent at 30% of pay or less, and the mortgage, tax, insurance, and HOA at 28% of pay or less.
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Data sources: homes as of Sep 30, 2026, wages from May 2025 Price: Zillow ZHVI city single-family mid tier, 2026-09-30 Apartment rent: HUD Fair Market Rent FY2026, 2 bedrooms, times 1.22, the median gap to Zillow rents in rural counties. https://www.huduser.gov/portal/datasets/fmr/fmr2026/FY26_FMRs_revised.xlsx House rent: apartment rent times the median ratio of house rent to all-rentals rent across the covered metros in the state Property tax: Census ACS 2024 5-year county B25103_001E / B25077_001E Property tax for new buyers in CA: California State Board of Equalization, 2024-25 Annual Report (Publication 306), 'Average Property Tax Rate' and Open Data Portal dataset 'Summaries of Assessed Values, by Property Class (Table 4)', assessment year 2024-25: statewide average tax rate 1.152% (the dataset's StateAverageTaxRates field; the same row lists levies of $100,025,871,000 and net assessed value of $8,714,125,178,000). https://boe.ca.gov/legdiv/2024-2025/pub306.pdf and https://www.boe.ca.gov/dataportal/api/odata/Summaries_of_Assessed_Values_by_Property_Class . Homeowners' exemption: BOE, 'Homeowners' Exemption' page, 'The California Constitution provides a $7,000 reduction in the taxable value for a qualifying owner-occupied home.' https://www.boe.ca.gov/proptaxes/homeowners_exemption.htm Property tax for new buyers in FL: Florida Department of Revenue, Property Tax Oversight, 'Statewide Property Tax Overview (2025)' in 2025 County Profiles. DOR publishes no statewide millage figure, so each average is taxes levied divided by taxable value: school $22,826,973,523 / school taxable value $3,825,912,545,955 = 5.966 mills; non-school (county $20,682,076,778 + municipal $9,423,883,364 + other $6,236,357,520 = $36,342,317,662) / county taxable value $3,478,113,402,548 = 10.449 mills. https://floridarevenue.com/property/Documents/2025_County_Profiles.pdf . Homestead exemption: first $25,000 on all levies and a second $25,000 on non-school levies only, DOR 'Recapitulation of the Ad Valorem Assessment Roll' (DR-489V) lines 26 and 27 (s. 196.031(1)(a) and (b), F.S.). https://floridarevenue.com/property/Documents/statewide_recap.xlsx Property tax for new buyers in MI: Michigan Department of Treasury, '2025 Ad Valorem Property Tax Report, All Classes of Property, Real and Personal' (State Tax Commission levy report), statewide summary table, tax year 2025: average homestead rate 35.10 mills (all property 42.19, non-homestead 54.01). https://www.michigan.gov/taxes/-/media/Project/Websites/taxes/Tax-Levy-Reports/2025-Ad-Valorem-Tax-Levy-Report.pdf BLS Occupational Employment and Wage Statistics, May 2025, oesm25ma/BOS_M2025_dl.xlsx and oesm25ma/MSA_M2025_dl.xlsx, matched to each county with the BLS May 2025 area definitions Insurify, "Average Home Insurance Rates by State (2026)", https://insurify.com/homeowners-insurance/states/. Average annual cost with $300,000 dwelling coverage (also $1,000 deductible, $25,000 personal property, $300,000 liability, good credit, no prior claims, 1980 build), mean of quotes from 180+ insurers via Insurify partners and Quadrant Information Services. Page updated October 21, 2026. Wages: BLS Occupational Employment and Wage Statistics, May 2025, May 2025 Mortgage rate: Freddie Mac PMMS 30-year fixed, week of 2026-10-22: 7.32% How the numbers work