The story of this market
The typical home in Baker County, Oregon sells for about $290,000, or $193 per square foot.
Prices are up +15.8% from a year ago, so sellers still have some momentum. Homes take about 49 days to sell. Over the long run, values in this county have grown 248% since 2000. Last year 4 of 5 neighborhoods saw prices rise, so the story isn't the same street to street. HUD's fair market rent for a two-bedroom is $1,014 a month.
HUD sets the fair market rent for a 2-bedroom at $1,014 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively High.
Price climate
Every year of price change, 2000–2025
+2.2%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+25.3%). Worst: 2010 (-6.1%). Hover to read a year.
Monthly price momentum
Home values since 2015
+0.3%
OR · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,404
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+2.2%
2025 change
FHFA repeat-sales index, median of 5 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
91
Relatively High
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $16,707,067.
Mortgage activity
Home lending in this county
73.3%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 693 | 335 | 73.3% | 3.9% | $180,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Baker County, Oregon
Baker County's housing market is experiencing a period of price appreciation despite a relatively high supply of inventory. The market remains stable, driven by steady demand in a rural setting, though buyers are increasingly sensitive to price points and insurance costs.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 4 cities · 5 ZIP reports
Median prices moved down 0.5% year over year.
Homes spend a median of 248 days on market with 0.1 months of supply — a balanced-paced market.
0% of listings have cut prices · homes sell at 1.14% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.5% · poverty 12.5% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 5 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Baker County, Oregon — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 11.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 26
researched Sep 26
researched Sep 26
researched Sep 26
researched Sep 26
| 97814 | Baker City | $249,850 | $176 | -8.3% | 30 | — | — | — | 97 | $927 | researched Sep 26 |
| 97824 | Cove | $290,000 | $145 | +3.5% | 85 | 97% | 15% | 6 | 12 | $950 | researched Sep 26 |
| 97833 | Haines | $325,000 | $215 | +2.5% | 68 | 98.5% | 15% | 4.2 | 12 | $1,250 | researched Sep 26 |
| 97877 | Sumpter | $320,000 | $185 | +2.1% | 45 | 98.5% | 15% | 6 | 12 | $1,150 | researched Sep 26 |
| 97907 | Harper | $468,422 | $183 | — | 264 | — | — | — | 9 | $1,014 | researched Sep 26 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
The region faces seasonal wildfire risks common to Eastern Oregon, which influences local property insurance availability and premium costs.
The economy is anchored by agriculture, timber, and tourism, with limited large-scale industrial development; growth remains modest and tied to regional resource sectors.
Property taxes are assessed by the Baker County Assessor based on real market value, subject to Oregon's constitutional limits on assessed value growth (Measure 5 and 50).
The economy is primarily driven by agriculture, forestry, and government services, with tourism playing an increasing role in the local economic base.
The county is served by Interstate 84, which acts as the primary transportation corridor for freight and regional travel.
The Baker County Assessor's office manages property valuations in accordance with Oregon state law, focusing on annual market value updates.
The county is served by various special districts including rural fire protection, water control, and local school districts.
Property insurance markets in the county are increasingly sensitive to wildfire risk, leading to higher premiums and stricter underwriting standards.
- National Historic Oregon Trail Interpretive Center4.74.3 mi
- Geiser Pollman Park4.67.4 mi
- Baker Heritage Museum4.77.4 mi
- Eltrym Theater4.67.6 mi
- Elkhorn Lanes4.68.2 mi
- National Historic Oregon Trail Interpretive Center4.74.3 mi
- Baker Heritage Museum4.77.4 mi
- McEwen Depot & Museum4.622.1 mi
- Geiser Pollman Park4.67.4 mi
- Quail Ridge Golf Course4.68 mi
- Albertsons4.27.1 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Features well-preserved 19th-century architecture and serves as the cultural hub of the county.
Provides year-round outdoor activities including skiing, hiking, and mountain biking.
A major regional attraction detailing the history of the Oregon Trail and pioneer life.
Data retrieved from US Census Bureau QuickFacts and Data Commons.
applies when — Members of the Oregon National Guard or Reserve who are deployed.
Allows for the exemption of a portion of the assessed value of a primary residence from local property taxes for a period of three to five years in standard zones, or up to 15 years in rural zones.
Business Oregon Enterprise Zone statutes
applies when — Qualified disabled veterans or their surviving spouses meeting specific disability or service-connected criteria.
Provides a reduction in the assessed value of the primary residence, effectively lowering the property tax burden based on the exemption amount set by statute.
ORS 307.250
Tax is calculated on the lesser of Real Market Value (RMV) or Maximum Assessed Value (MAV). MAV is limited to a 3% annual growth rate unless physical changes occur to the property. The tax is the product of the taxable assessed value and the local taxing district's millage rate.
Oregon Constitution; ORS Chapter 308
applies when — Delinquency of property taxes for a period of three years from the earliest date of delinquency.
The county may initiate foreclosure proceedings to seize the property to satisfy the tax lien. Owners have redemption rights prior to the judgment of foreclosure.
ORS 312.010
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.