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City · 10,171 residents · Coos County, Oregon

North Bend , Oregon

In North Bend, a typical home is worth $352,300 and typical rent is $1,066 a month. Compared with all of Coos County, typical household income is 31% higher and the share of households that own their home is 6 points lower.

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  • Typical home value

    $352,300

    4% above the county

    26% below Oregon

    • North Bend
    • Coos
    • Oregon

  • Typical rent

    $1,066a month

    2% above the county

    30% below Oregon

    • North Bend
    • Coos
    • Oregon

  • Typical household income

    $81,320a year

    31% above the county

    2% below Oregon

    • North Bend
    • Coos
    • Oregon

  • Households that own their home

    65%

    6 points below the county

    2 points above Oregon

    • North Bend
    • Coos
    • Oregon

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

Market now, with Zillow data

Zillow data
Typical home value
$359,378
1.7% less than 12 months ago

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

North Bend is in Coos County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Coos County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets North Bend apart

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

  1. Nearby, in Winston, the typical home value is $244,100: 31% less than in North Bend ($352,300).

  2. The typical household income in North Bend is $81,320, 31% more than in Coos County as a whole ($62,143).

  3. 65% of households in North Bend own their home, against 71% in Coos County.

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

The homes here

Housing in North Bend

What homes there are in North 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

The detached house rules in North Bend: 75% of homes, more than in Coos County (68%).

Year built

The typical home in North Bend was built in 1965, 9 years before the typical one in Coos 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

$1,606 a month

Coos County: $1,634 a month

Without a mortgage

$564 a month

Coos County: $526 a month

Owners with a mortgage

63%

Coos County: 56%

The typical cost for an owner with a mortgage in North Bend is $1,606 a month, near the figure in Coos County ($1,634).

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 North Bend rose 74%; in Coos County, it rose 71%.

The typical rent in North Bend rose 18% over the same time; in Coos County, it rose 27%.

While home values in North Bend changed +74% and rent +18%, the typical household income rose 50%.

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

MeasureNorth BendCoos CountyOregonUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate1.9%3.2%3.4%
People per household 2.382.212.422.53
Drive alone 83%78%65%69%
Carpool 7%8%9%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate4%5%3%
Work from home 4%8%19%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in North Bend has 2.38 people, more than in Coos County (2.21).

To get to work, 83% of workers in North Bend drive alone; in Coos County, 78%.

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 North Bend?

A typical home costs more than the typical income allows

We start with a typical home in North Bend, worth $352,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in North Bend, which is $81,320 a year. For that payment to be 28% of income, a household would need to earn about $122,710 a year.

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

Your numbers

Local data
$

Starts at the typical home value in North 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 $12,331 (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

$2,863

at 7.18% · 30 years

Loan amount
$345,918
Total interest
$497,696
Paid off in
November 2056

Includes $5,949 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,897 a month

  • Tight

    $1,897 to $2,440 a month

  • Hard

    more than $2,440 a month

    Your payment · 42%

Compared with the typical household income in North Bend ($81,320 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,863
Principal & interest$2,343
Property tax$217
Home insurance$147
FHA mortgage insurance (MIP)$156

You need at least $12,331 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

North Bend and Coos County

North Bend is in Coos 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).

North Bend's own numbers

Typical home value
$352,300
Typical monthly rent
$1,066
Typical yearly household income
$81,320
Households that own their home
65%
Effective property tax rate
0.74%

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

Numbers for all of Coos County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,173
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
4.5%

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 Coos County.

Everything about Coos County

Buying

Buying a home in North Bend

A typical home in North Bend is worth $352,300: 4% above the county and 26% below Oregon. With the typical household income in North Bend ($81,320 a year), a typical home costs 4.3 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.

  • North Bend 4.3 years
  • Coos 5.4 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Coos County

According to FHFA’s house price index, home prices in Coos County rose 107% in the 10 years through 2025.

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

Period County Oregon U.S.
Last year (2025) −0.0% +0.9% +2.9%
5 years (2020–2025) +47% +35% +47%
10 years (2015–2025) +107% +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

North Bend next to Coos 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
  • North Bend $352,300
  • Coos $337,800
  • Oregon $477,600
  • United States $332,700
Typical monthly rent
  • North Bend $1,066
  • Coos $1,042
  • Oregon $1,525
  • United States $1,413
Typical yearly household income
  • North Bend $81,320
  • Coos $62,143
  • Oregon $83,011
  • United States $80,734
See the full table
North Bend next to Coos County and Oregon
Measure North Bend Coos County Oregon U.S.
Typical home value $352,300 $337,800 $477,600 $332,700
Typical monthly rent $1,066 $1,042 $1,525 $1,413
Typical yearly household income $81,320 $62,143 $83,011 $80,734
Households that own their home 65% 71% 63% 65%
Typical yearly property tax $2,603 $2,284 $3,876 $3,119
Effective property tax rate 0.74% 0.68% 0.81% 0.94%
Renters with high rent for their income 50% 52% 52% 51%

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

For a typical $352,300 home in North Bend, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North Bend's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,863a month

    Least cash to close
    Down payment
    $12,331
    Cash to close
    $22,900
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $156

  • Conventional, 5% down $2,799a month

    Down payment
    $17,615
    Cash to close
    $28,184
    Rate
    7.18%
    Mortgage insurance
    PMI · $167

  • Conventional, 20% down, no PMI $2,273a month

    Down payment
    $70,460
    Cash to close
    $81,029
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,599a month

    Down payment
    $52,845
    Cash to close
    $63,414
    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 North Bend and for Coos County.

Property tax

Effective rate in North Bend

0.74%of the home’s value each year

$2,603 a year for the typical owner in North Bend.

  • North Bend 0.74%
  • Coos 0.68%
  • 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 Coos County

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

Homes in the high-risk zone
4.5%
1,222
Of those, with NFIP insurance
11%
County Oregon U.S.
Homes in the high-risk zone 4.5% 2.8% 3.5%
Of those, with NFIP insurance 11% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in North Bend

Typical rent in North Bend is $1,066 a month: 2% above the county. In North Bend, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Coos County, by unit size. To pay the 2-bedroom one ($1,173 a month) without spending more than 30% of your income, you would need to earn $22.56 an hour working full time.

HUD fair market rent for all of Coos 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 $901 $17.33 $36,040
1 bedroom $933 $17.94 $37,320
2 bedrooms $1,173 $22.56 $46,920
3 bedrooms $1,624 $31.23 $64,960
4 bedrooms $1,961 $37.71 $78,440

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 North Bend

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). North Bend is in ZIP code 97459.

For 2 bedrooms it is $1,190: $17 more than the fair market rent for Coos County ($1,173).

  • 97459 $1,190$1,650

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

HUD lists 4 buildings with rents for lower incomes in North Bend. These are the largest.

  • North Bend Ha 2581 Virginia Ave, North Bend 97459 58 low-income homes · Run by North Bend Housing Authority · Average payment: $518 a month · Average wait: 36 months (541) 756-4111
  • North Bend Ha 1700 Hamilton St, North Bend 97459 50 low-income homes · Run by North Bend Housing Authority · Average payment: $447 a month · Average wait: 38 months (541) 756-4111
  • Cedar Grove 2090 Inland Dr, North Bend 97459 42 low-income homes · 1 bd: 14 · 2 bd: 24 · 3 bd: 4 · In service since 2010 · For families (360) 694-3343
  • Hotel North Bend Apts 768 Virginia Ave, North Bend 97459 33 low-income homes · Studio: 24 · 1 bd: 8 · 2 bd: 1 · In service since 2009 (541) 378-4233

See all 14 buildings in Coos County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in North 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.

We found no HUD-approved agencies with an office in Coos County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in North Bend

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

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

  • Neighborworks Umpqua

    605 SE Kane St, Roseburg · 47 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (541) 673-4909

  • DevNW

    212 Main St, Springfield · 75 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (541) 345-7106

  • DevNW

    2525 SE 3rd St, Corvallis · 92 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (541) 752-7220

All counseling agencies in Oregon

Help in Spanish near North Bend

2 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 North Bend

HUD’s record names them for North Bend or Coos County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

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

Cities

Other cities in Coos County

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

Everything about Coos County Housing in Oregon

Nearby cities

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

Neighboring counties

If Coos 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 North Bend.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about North Bend

Short answers with the numbers for North Bend and all of Coos 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 North Bend?

The typical home value in North Bend is $352,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Coos County it is $337,800.

How much does it cost to rent in North Bend?

Typical rent in North Bend is $1,066 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Coos County is $1,173.

What is the FHA loan limit in North Bend?

North Bend uses the FHA limit for all of Coos County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in North Bend?

The typical homeowner in North Bend pays $2,603 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Coos County, the rate is 0.68%.

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

We found no HUD-approved counseling agencies with an office in Coos County; the nearest ones are on this page. 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).