Pendleton, Oregon.
Typical home $301,449 (+3.2% in a year), asking rent $1,435 (-0.7%). Hermiston-Pendleton, OR metro.
to buy the typical home at today's mortgage rate — +$853 (+117%) since Jan 2020.
- 1 year
- Up $9,265 +3%
- $292,184$301,449 since Sep 2025
- 5 years
- Up $48,620 +19%
- $252,829$301,449 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Pendleton$1,582
- Oregon$2,586
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 20 years.
Typical home values in Pendleton, OR rose 3.2% over the past year — faster than the nation's +1.2%.
Asking rents in Pendleton, OR fell 0.7% over the past year — slower than the nation's +2.7%.
Owning the typical home in Pendleton runs $697/mo more than renting one — the widest that gap has been in this data.
That is $2,132 a month against $1,435 rent: a $1,582 mortgage payment, plus $227 property tax and $323 insurance & upkeep.
Owning vs renting — Pendleton
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,132
- Renting$1,435
- Mortgage only$1,582
Property tax · $227/mo 0.90% of value a year — the ACS 2020-2024 median bill over the median home value for Umatilla County, OR
Insurance & upkeep · $323/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Pendleton, Umatilla County, Oregon
Pendleton is a city of 17,107 people in Umatilla County. Half its households earn more than $66,563 a year and half less, against $67,728 across Umatilla County; 15% of its people live below the poverty line. 56% of its homes are lived in by their owners and 44% are rented. Unemployment in Umatilla County was 5.1% in August 2026, and the county had 0.2% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Pendleton is a small city in Umatilla County, with a population that skews a little younger than the typical American town. Incomes run slightly below the county's, and more homes are lived in by their owners than rented, though many households rent too. Getting to work takes little time, and few people work from home. Winters are cold, with the coldest days in December, and summers turn properly hot by July.
Work. Most residents work in schools, hospitals and social care, in shops, in government, or in restaurants, hotels and entertainment. Among the largest workplaces in Pendleton are Pendleton SD 16, Umatilla County and Walmart. Unemployment across the county is close to what it was a year ago, and the number of jobs there has slipped slightly.
Things to do. The Pendleton Round-Up and Happy Canyon Hall of Fame is a museum in or beside town, and the Tamástslikt Cultural Institute, another museum, is a short drive away. For time outdoors, McKay Creek National Wildlife Refuge, a protected area, is also a short drive away, and Hat Rock State Park is a longer drive.
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- 6,257households
- 25%of adults have a degree
- 15%below the poverty line
- 14 mintypical commute
- 8%work from home
What residents work in
Employed residents by industry, from the Census survey. Umatilla County had 32,978 jobs in 2025, 0.2% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 44° and lows near 28°; warmest in July, with highs near 90° and lows near 56°.
Average daily high and low, 1991–2020, at the Pendleton Dwtn weather station, a mile away (NOAA).
Largest workplaces in Pendleton
- Pendleton SD 16School district366FTE
- Umatilla CountyLegislative bodies325
- WalmartWarehouse clubs and supercenters264
- Blue Mountain Community CollegeTwo-year college212
- Keystone RV Oregon - PlantRv manufacturing130
- Keystone RV Oregon - PlantRv manufacturing120
- SafewaySupermarkets and other grocery stores119
- Hill Meat CompanyProcessed meats manufacturing103
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 18 workplaces with 20 or more staff, 1,612 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Cold wavesRelatively high
- Ice stormsRelatively high
- Winter weatherRelatively high
- WildfireRelatively high
- Strong windRelatively high
- Inland floodingRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Pendleton’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Umatilla County and the Hermiston-Pendleton, OR metro.
Pendleton home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Pendleton$301,449
- Oregon$492,753
- United States$366,157
Sellers are cutting prices on about 1 in 3 Pendleton listings — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Pendleton30.23%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Pendleton80
New listings per month
Sellers arriving at the market.
- Pendleton20
Zip codes with a Pendleton address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Pendleton — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Pendleton
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 97801 | Pendleton | 21,575 | $1,435 | $299,405 |
| 97810 | Adams | 759 | — | $368,697 |