Bend, OR home prices
Typical home $658,500 · -0.7% in a year · income needed $179,700
The Bend, OR metro area ranks 36 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -0.7% in a year and +4.6% over five years. With 20% down at 7.11%, the typical home costs about $4,194 a month including 0.58% property tax (Deschutes County rate).
Mortgage on the typical Bend home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $131,700 | $526,800 | $3,544 | $0 | $650 | $4,194 | $179,700 |
| 10% down | $65,850 | $592,650 | $3,987 | $247 | $650 | $4,884 | $209,300 |
| 5% down | $32,925 | $625,575 | $4,208 | $261 | $650 | $5,119 | $219,400 |
| 3.5% down (FHA) | $23,047 | $646,573 | $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.
Counties in the Bend area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Deschutes County, OR | $658,505 | -0.7% | 0.58% |
What can you afford in Oregon on your salary? · Oregon home prices · Salaries in Oregon
Frequently asked questions
How much is a house in Bend?
The typical home in the Bend, OR metro area is worth $658,500 (Zillow, September 2026).
What salary do you need to buy a house in Bend?
About $179,700 a year for the typical home with 20% down at 7.11%.