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Bend, OR

Cost of living in Bend, Oregon

Deschutes County, OR

Part of the Bend Metro Area

Estimated monthly cost
$3,513/mo
for a single person, all categories combined

Population 203,026 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,318 38%
Federal tax $584 17%
Healthcare $480 14%
Groceries $350 10%
State tax $308 9%
Transport $250 7%
Energy $163 5%
Water $60 2%

Rent in Bend

Fair Market Rents by bedroom count.

Studio
$1,285
per month
1 bedroom
$1,318
per month
2 bedroom
$1,667
per month
3 bedroom
$2,336
per month
4 bedroom
$2,799
per month

Source: HUD FMR FY2025

Income and earnings in Bend

Annual earnings figures from the Census ACS.

Household income
$87,640
per year
Individual earnings
$45,748
per year
Per capita
$50,150
per year

Source: ACS 2019-2023 5-Year.

Home values in Bend

Average values reported by homeowners.

Average home value
$596,000
Annual property tax
$3,670

Source: ACS 2019-2023 5-Year

Energy costs in Bend

Estimated monthly electricity and gas costs.

Electricity
$117
per month · 13¢/kWh
Natural gas
$46
per month
Annual total
$1,956
per year

Source: EIA

Healthcare in Bend

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
6.4%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Bend

State and local tax rates for Oregon.

State income tax
9.9%
Top marginal rate
State sales tax
0.0%
Combined sales tax
0.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Bend

Commute patterns and estimated costs.

Average commute
20.3 min
Drive alone
66.2%
Public transit
0.3%
Work from home
20.6%

Source: ACS

Monthly cost estimates for Bend

What it costs to live in Bend each month.

Single person
$3,513
per month
  • Rent $1,318
  • Energy $163
  • Water $60
  • Groceries $350
  • Transport $250
  • Healthcare $480
  • Federal tax $584
  • State tax $308
Couple
$5,445
per month
  • Rent $1,667
  • Energy $196
  • Water $70
  • Groceries $580
  • Transport $350
  • Healthcare $864
  • Federal tax $1,104
  • State tax $614
Family
$8,263
per month
  • Rent $2,336
  • Energy $244
  • Water $85
  • Groceries $880
  • Transport $450
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,104
  • State tax $614

Frequently asked questions about Bend

Common questions about cost of living, rent and salary.

What is the average rent in Bend?

In Bend, Oregon, a one-bedroom apartment averages $1,318 per month, a two-bedroom averages $1,667 per month, a three-bedroom averages $2,336 per month, according to HUD Fair Market Rent data.

What is the average salary in Bend?

In Bend, Oregon, the average household income is $87,640 per year and individual earnings for full-time workers average $45,748 per year, according to U.S. Census Bureau data.

What is the cost of living in Bend?

The estimated cost of living in Bend, Oregon is approximately $3,513 per month for a single person, $5,445 for a couple, $8,263 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Bend?

The combined sales tax rate in Bend, Oregon is 0.00%, which includes the Oregon state rate of 0.00% plus an average local rate of 0.00%.

Is Bend an affordable place to live?

Based on the data, a single person in Bend, Oregon would need approximately $3,513 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $87,640 per year ($7,303 per month). Bend is relatively affordable compared to the national average.

How much does healthcare cost in Bend?

The ACA marketplace benchmark premium in Bend, Oregon is approximately $480 per month for an individual. Approximately 6.4% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Bend?

The average home value in Bend, Oregon is $596,000, with average annual property taxes of $3,670, according to U.S. Census Bureau data.

How does Bend compare to other areas?

You can compare Bend, Oregon with any other US county using our comparison tool at /compare. Bend is in the Bend, OR metro area.

Other counties in Oregon

Browse the full list of counties in Oregon, ranked by cost of living.

See all counties in Oregon

Compare Bend with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources