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City · 103,390 residents · Deschutes County, Oregon

Bend , Oregon

In Bend, a typical home is worth $718,400 and typical rent is $1,883 a month. Compared with all of Deschutes County, the typical home value is 10% higher, typical rent is 5% higher, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $718,400

    10% above the county

    50% above Oregon

    • Bend
    • Deschutes
    • Oregon

  • Typical rent

    $1,883a month

    5% above the county

    23% above Oregon

    • Bend
    • Deschutes
    • Oregon

  • Typical household income

    $96,394a year

    4% above the county

    16% above Oregon

    • Bend
    • Deschutes
    • Oregon

  • Households that own their home

    62%

    8 points below the county

    2 points below Oregon

    • Bend
    • Deschutes
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$721,430
0.6% less than 12 months ago
Typical rent
$2,284 a month
3.1% more than 12 months ago

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

Bend is in Deschutes 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 Deschutes County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bend apart

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

  1. Nearby, in Madras, the typical home value is $330,900: 54% less than in Bend ($718,400).

  2. Nearby, in Madras, the typical rent is $979: 48% less than in Bend ($1,883).

  3. 62% of households in Bend own their home, against 70% in Deschutes County.

  4. Bend has the 9th highest typical home value of the 105 cities in Oregon with more than 5,000 people ($718,400).

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

The homes here

Housing in Bend

What homes there are in Bend, 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 Bend, 7 in 10 homes are single-family detached houses; in Deschutes County, 8.

Year built

The typical year built in Bend is 2001, about the same as in Deschutes County (1998).

Homes in Bend are smaller: 68% have 3 bedrooms or more; in Deschutes County, 71%.

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

The FHA limit for Deschutes County is $718,750: about 50% of owner-occupied homes in Bend are worth less, and the rest more.

Monthly rent with utilities

With a mortgage

$2,347 a month

Deschutes County: $2,235 a month

Without a mortgage

$705 a month

Deschutes County: $696 a month

Owners with a mortgage

68%

Deschutes County: 67%

Owning costs more in Bend: with a mortgage, the typical cost is $2,347 a month; in Deschutes County, $2,235. Without one, $705.

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

From 2015–2019 to 2020–2024, the typical home value in Bend rose 87%; in Deschutes County, it rose 79%.

The typical rent in Bend rose 48% since 2015–2019, about the same as in Deschutes County (48%).

While home values in Bend changed +87% and rent +48%, the typical household income rose 47%.

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

MeasureBendDeschutes CountyOregonUnited States
Rental vacancy Unreliable estimate2.8%4.2%5.5%
Homeowner vacancy Unreliable estimate1.2%0.7%0.9%
More than one person per room 2.4%3.2%3.2%3.4%
People per household 2.312.412.422.53
Drive alone 64%65%65%69%
Carpool 6%7%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike 5%4%5%3%
Work from home 25%23%19%15%
Other means 1%1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

In Bend, 2.4% of households live with more than one person per room, about the same as in Deschutes County.

By size, households in Bend look like those in Deschutes County: 2.31 people on average.

To get to work, 64% of workers in Bend drive alone; in Deschutes County, 65%.

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 Bend?

A typical home costs more than the typical income allows

We start with a typical home in Bend, worth $718,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 71% of the typical household income in Bend, which is $96,394 a year. For that payment to be 28% of income, a household would need to earn about $246,122 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Bend. 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 $25,144 (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

$5,743

at 7.18% · 30 years

Loan amount
$705,388
Total interest
$1,014,888
Paid off in
November 2056

Includes $12,132 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,249 a month

  • Tight

    $2,249 to $2,892 a month

  • Hard

    more than $2,892 a month

    Your payment · 71%

Compared with the typical household income in Bend ($96,394 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,743
Principal & interest$4,779
Property tax$347
Home insurance$299
FHA mortgage insurance (MIP)$318

You need at least $25,144 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

Bend and Deschutes County

Bend is in Deschutes 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).

Bend's own numbers

Typical home value
$718,400
Typical monthly rent
$1,883
Typical yearly household income
$96,394
Households that own their home
62%
Effective property tax rate
0.58%

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

Numbers for all of Deschutes County

FHA limit, one-unit home
$718,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,893
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
0.3%

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 Deschutes County.

Everything about Deschutes County

Buying

Buying a home in Bend

A typical home in Bend is worth $718,400: 10% above the county and 50% above Oregon. With the typical household income in Bend ($96,394 a year), a typical home costs 7.5 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.

  • Bend 7.5 years
  • Deschutes 7.0 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Deschutes County

According to FHFA’s house price index, home prices in Deschutes County rose 122% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) +0.8% +0.9% +2.9%
5 years (2020–2025) +52% +35% +47%
10 years (2015–2025) +122% +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

Bend next to Deschutes 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
  • Bend $718,400
  • Deschutes $650,900
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Bend $1,883
  • Deschutes $1,787
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Bend $96,394
  • Deschutes $92,758
  • Oregon $83,011
  • United States $80,734
See the full table
Bend next to Deschutes County and Oregon
Measure Bend Deschutes County Oregon U.S.
Typical home value $718,400 $650,900 $477,600 $332,700
Typical monthly rent $1,883 $1,787 $1,525 $1,413
Typical yearly household income $96,394 $92,758 $83,011 $80,734
Households that own their home 62% 70% 63% 65%
Typical yearly property tax $4,162 $3,807 $3,876 $3,119
Effective property tax rate 0.58% 0.58% 0.81% 0.94%
Renters with high rent for their income 48% 50% 52% 51%

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

For a typical $718,400 home in Bend, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bend's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,743a month

    Least cash to close
    Down payment
    $25,144
    Cash to close
    $46,696
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $318

  • Conventional, 5% down $5,611a month

    Down payment
    $35,920
    Cash to close
    $57,472
    Rate
    7.18%
    Mortgage insurance
    PMI · $341

  • Conventional, 20% down, no PMI $4,540a month

    Down payment
    $143,680
    Cash to close
    $165,232
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,204a month

    Down payment
    $107,760
    Cash to close
    $129,312
    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 Bend and for Deschutes County.

Property tax

Effective rate in Bend

0.58%of the home’s value each year

$4,162 a year for the typical owner in Bend.

  • Bend 0.58%
  • Deschutes 0.58%
  • 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 Deschutes County

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

Homes in the high-risk zone
0.3%
269
Of those, with NFIP insurance
21%
County Oregon U.S.
Homes in the high-risk zone 0.3% 2.8% 3.5%
Of those, with NFIP insurance 21% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bend

Typical rent in Bend is $1,883 a month: 5% above the county. In Bend, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Deschutes County, by unit size. To pay the 2-bedroom one ($1,893 a month) without spending more than 30% of your income, you would need to earn $36.40 an hour working full time.

HUD fair market rent for all of Deschutes 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 $1,438 $27.65 $57,520
1 bedroom $1,447 $27.83 $57,880
2 bedrooms $1,893 $36.40 $75,720
3 bedrooms $2,621 $50.40 $104,840
4 bedrooms $3,164 $60.85 $126,560

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 Bend

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bend has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,830 in 97701 to $2,050 in 97702.

2 of the 3 are above the fair market rent for Deschutes County ($1,893).

  • 97701 $1,830$2,530
  • 97702 $2,050$2,840
  • 97703 $2,040$2,820

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bend 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 Bend

HUD lists 17 buildings with rents for lower incomes in Bend. These are the largest.

  • Vintage at Bend 611 NE Bellevue Dr, Bend 97701 106 low-income homes · 1 bd: 47 · 2 bd: 59 · In service since 2005 · For older adults
  • Ariel South Apts 1707 SE Tempest Dr, Bend 97702 97 low-income homes · 2 bd: 97 · In service since 2005 · For families
  • Ariel Glen Apts Site 1 1700 SE Tempest Dr, Bend 97702 70 low-income homes · 1 bd: 4 · 2 bd: 35 · 3 bd: 35 · In service since 2014 · For families
  • Healy Heights Apts Site 2 1900 NE Bear Creek Rd, Bend 97701 70 low-income homes · 1 bd: 4 · 2 bd: 32 · 3 bd: 30 · 4 bd: 4 · In service since 2014
  • Pilot Butte I Retirement Center 1350 NE 27th St, Bend 97701 58 low-income homes · For older adults (541) 383-4674

See all 32 buildings in Deschutes County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Bend

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 are 2 HUD-approved agencies with an office in Deschutes County; 2 say they serve 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 Bend

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

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

  • Neighborimpact- Bend Housing Center

    20310 Empire Ave., Suite A100, Bend · 2 miles away · Spanish

    Also serves in American Sign Language (ASL).

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (541) 323-6567

  • Neighborimpact

    2303 SW 1st St, Redmond · 15 miles away · Spanish

    Also serves in American Sign Language (ASL).

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

  • Neighborimpact - Prineville Housing Center

    457 NE Ochoco Plaza Dr, Prineville · 29 miles away · Spanish

    Also serves in American Sign Language (ASL).

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

Every agency in Deschutes County All counseling agencies in Oregon

Help in Spanish near Bend

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 Bend

In HUD’s record, no housing authority with an office in Deschutes County is named for Bend or Deschutes County.

One other authority has an office in Deschutes County: see the list Source: HUD

Cities

Other cities in Deschutes County

These cities are also in Deschutes County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Deschutes County Housing in Oregon

Nearby cities

The cities closest to Bend, with the typical home value.

Neighboring counties

If Deschutes 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 Bend.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Bend

Short answers with the numbers for Bend and all of Deschutes 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 Bend?

The typical home value in Bend is $718,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Deschutes County it is $650,900.

How much does it cost to rent in Bend?

Typical rent in Bend is $1,883 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Deschutes County is $1,893.

What is the FHA loan limit in Bend?

Bend uses the FHA limit for all of Deschutes 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 Bend?

The typical homeowner in Bend pays $4,162 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Deschutes County, the rate is 0.58%.

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

There are 2 HUD-approved counseling agencies with an office in Deschutes County. 2 say they serve 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).