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City · 5,797 residents · Deschutes County, Oregon

Deschutes River Woods , Oregon

In Deschutes River Woods, a typical home is worth $559,500 and typical rent is $1,921 a month. Compared with all of Deschutes County, the typical home value is 14% lower, typical rent is 7% higher, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $559,500

    14% below the county

    17% above Oregon

    • Deschutes River Woods
    • Deschutes
    • Oregon

  • Typical rent

    $1,921a month

    7% above the county

    26% above Oregon

    • Deschutes River Woods
    • Deschutes
    • Oregon

  • Typical household income

    $91,960a year

    About the same as the county

    11% above Oregon

    • Deschutes River Woods
    • Deschutes
    • Oregon

  • Households that own their home

    80%

    10 points above the county

    16 points above Oregon

    • Deschutes River Woods
    • Deschutes
    • Oregon

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

Deschutes River Woods 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 Deschutes River Woods apart

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

  1. Nearby, in Madras, the typical rent is $979: 49% less than in Deschutes River Woods ($1,921).

  2. Nearby, in Madras, the typical home value is $330,900: 41% less than in Deschutes River Woods ($559,500).

  3. 80% of households in Deschutes River Woods own their home, against 70% in Deschutes County.

  4. Deschutes River Woods has the 10th highest typical rent of the 102 cities in Oregon with more than 5,000 people ($1,921).

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

The homes here

Housing in Deschutes River Woods

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

There are more mobile homes here than in Deschutes County: 15% of homes, against 4%.

Year built

The typical home in Deschutes River Woods was built in 1994, 4 years before the typical one in Deschutes County.

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

$1,778 a month

Deschutes County: $2,235 a month

Without a mortgage

$497 a month

Deschutes County: $696 a month

Owners with a mortgage

73%

Deschutes County: 67%

Owning costs less in Deschutes River Woods: with a mortgage, the typical cost is $1,778 a month; in Deschutes County, $2,235. Without one, $497.

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 Deschutes River Woods rose 83%; in Deschutes County, it rose 79%.

Since 2015–2019, the typical rent in Deschutes River Woods did not change clearly, according to the Census.

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

MeasureDeschutes River WoodsDeschutes 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 Unreliable estimate3.2%3.2%3.4%
People per household 2.702.412.422.53
Drive alone 68%65%65%69%
Carpool 14%7%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate4%5%3%
Work from home 11%23%19%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Deschutes River Woods are bigger: 2.70 people on average; in Deschutes County, 2.41.

More people carpool to work in Deschutes River Woods than in Deschutes County: 14% against 7%.

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 Deschutes River Woods?

A typical home costs more than the typical income allows

We start with a typical home in Deschutes River Woods, worth $559,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 58% of the typical household income in Deschutes River Woods, which is $91,960 a year. For that payment to be 28% of income, a household would need to earn about $189,485 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 Deschutes River Woods. 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 $19,583 (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

$4,421

at 7.18% · 30 years

Loan amount
$549,366
Total interest
$790,408
Paid off in
November 2056

Includes $9,449 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,146 a month

  • Tight

    $2,146 to $2,759 a month

  • Hard

    more than $2,759 a month

    Your payment · 58%

Compared with the typical household income in Deschutes River Woods ($91,960 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,421
Principal & interest$3,722
Property tax$219
Home insurance$233
FHA mortgage insurance (MIP)$247

You need at least $19,583 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

Deschutes River Woods and Deschutes County

Deschutes River Woods 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).

Deschutes River Woods's own numbers

Typical home value
$559,500
Typical monthly rent
$1,921
Typical yearly household income
$91,960
Households that own their home
80%
Effective property tax rate
0.47%

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 Deschutes River Woods

A typical home in Deschutes River Woods is worth $559,500: 14% below the county and 17% above Oregon. With the typical household income in Deschutes River Woods ($91,960 a year), a typical home costs 6.1 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.

  • Deschutes River Woods 6.1 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

Deschutes River Woods 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
  • Deschutes River Woods $559,500
  • Deschutes $650,900
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • Deschutes River Woods $1,921
  • Deschutes $1,787
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • Deschutes River Woods $91,960
  • Deschutes $92,758
  • Oregon $83,011
  • United States $80,734
See the full table
Deschutes River Woods next to Deschutes County and Oregon
Measure Deschutes River Woods Deschutes County Oregon U.S.
Typical home value $559,500 $650,900 $477,600 $332,700
Typical monthly rent $1,921 $1,787 $1,525 $1,413
Typical yearly household income $91,960 $92,758 $83,011 $80,734
Households that own their home 80% 70% 63% 65%
Typical yearly property tax $2,635 $3,807 $3,876 $3,119
Effective property tax rate 0.47% 0.58% 0.81% 0.94%

“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 Deschutes River Woods

For a typical $559,500 home in Deschutes River Woods, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Deschutes River Woods's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,421a month

    Least cash to close
    Down payment
    $19,583
    Cash to close
    $36,368
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $247

  • Conventional, 5% down $4,319a month

    Down payment
    $27,975
    Cash to close
    $44,760
    Rate
    7.18%
    Mortgage insurance
    PMI · $266

  • Conventional, 20% down, no PMI $3,484a month

    Down payment
    $111,900
    Cash to close
    $128,685
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,002a month

    Down payment
    $83,925
    Cash to close
    $100,710
    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 Deschutes River Woods and for Deschutes County.

Property tax

Effective rate in Deschutes River Woods

0.47%of the home’s value each year

$2,635 a year for the typical owner in Deschutes River Woods.

  • Deschutes River Woods 0.47%
  • 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 Deschutes River Woods

Typical rent in Deschutes River Woods is $1,921 a month: 7% above the county.

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 Deschutes River Woods

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Deschutes River Woods is in ZIP code 97702.

For 2 bedrooms it is $2,050: $157 more than the fair market rent for Deschutes County ($1,893).

  • 97702 $2,050$2,840

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

Free help

Help to buy or rent in Deschutes River Woods

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 young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Deschutes River Woods

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

The HUD-approved agencies closest to the center of Deschutes River Woods, 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 · 8 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 · 21 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 · 34 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 Deschutes River Woods

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 Deschutes River Woods

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

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Deschutes River Woods

Short answers with the numbers for Deschutes River Woods 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 Deschutes River Woods?

The typical home value in Deschutes River Woods is $559,500, 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 Deschutes River Woods?

Typical rent in Deschutes River Woods is $1,921 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 Deschutes River Woods?

Deschutes River Woods 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 Deschutes River Woods?

The typical homeowner in Deschutes River Woods pays $2,635 a year, according to the U.S. Census Bureau. That is 0.47% of the home’s value; in Deschutes County, the rate is 0.58%.

Where can I find free help to buy or rent in Deschutes River Woods?

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).