Deschutes County, Oregon home prices
Typical home $658,505 · -0.7% in a year · property tax 0.58%
The typical home in Deschutes County is worth $658,505, 34% more than the Oregon typical home ($492,753). Values changed -0.7% in the past year and +4.6% over five years. Homeowners here pay a median 0.58% of their home's value in property tax each year ($3,851 on the typical home), versus 0.79% statewide.
Mortgage on the typical Deschutes County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $131,701 | $526,804 | $3,544 | $0 | $650 | $4,194 | $179,700 |
| 10% down | $65,850 | $592,654 | $3,987 | $247 | $650 | $4,884 | $209,300 |
| 5% down | $32,925 | $625,579 | $4,208 | $261 | $650 | $5,119 | $219,400 |
| 3.5% down (FHA) | $23,048 | $646,578 | $4,350 | $291 | $650 | $5,291 | $226,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.58% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Oregon · part of the Bend metro area.
Oregon counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hood River County | $682,386 | +2.6% | 0.53% |
| Clackamas County | $605,496 | +0.6% | 0.85% |
| Washington County | $555,664 | -1.5% | 0.84% |
| Benton County | $553,203 | +0.3% | 0.95% |
| Clatsop County | $518,689 | +0.4% | 0.69% |
| Tillamook County | $503,694 | +0.4% | 0.6% |
| Yamhill County | $501,668 | -0.8% | 0.73% |
| Multnomah County | $496,807 | +0.2% | 0.96% |
| Polk County | $475,672 | +1.3% | 0.8% |
| Crook County | $471,570 | +0.9% | 0.64% |
Frequently asked questions
What is the average home price in Deschutes County, OR?
The typical home value in Deschutes County is $658,505 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Deschutes County?
About $179,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Deschutes County?
The median effective rate is 0.58% of home value a year (Census ACS 2024 5-year estimates).