Bend cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexBendOregonNational
Cost of living index121117100
IndexBendOregonNational
Goods & Services index122122100
Groceries index116116100
Health care index114114100
Housing index137124100
Transportation index111111100
Utilities index8989100
Displayed above is a general overview of the Bend, OR cost of living index. The overall cost of living index in Bend, OR is 121, which is 3% higher than the Oregon average and 21% higher than the national average. The cost of living index is created from the following categories: goods/services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). As you can see, goods/services and housing make up the majority of the overall cost of living index. Everyday goods and services can be a good indicator of the general cost of goods in a given city. In this case, the goods and services in Bend, OR are equal to the Oregon average and 22% higher than the national average.

Did you know?

  • The cost of living in Bend is 3% higher than the Oregon average.
  • The cost of living in Bend is 21% higher than the national average.
  • The cost of housing in Bend is 37% higher than the national average.
  • Oregon general sales tax is 100% lower than the national average.
  • Oregon state income tax is 125% higher than the national average.

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Salary Calculator

This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator is meant to help you compare your salary in Bend, OR to your potential earning power in another city. This can help you deduce what your salary would need to be in any given city in order for you to live the same lifestyle that you do in your current city. In other words, if you plan on moving to a city where the cost of living is higher than in Bend, OR, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the Bend, OR salary calculator, simply input the new city, then move the adjustable slider to match your current income. Once you've selected your income, the calculator will determine if that income is sufficient to support your standard of living in the new city you entered. The calculator will also supply you with a rundown of living costs in the new city.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$65,752$5,479$1,534$1,973
Renters$34,434$2,870$803$1,033
The affordability of the housing market in Bend, OR as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Bend, OR homeowners, the median income is $65,752. This indicates that a monthly maximum of $1,534 should be spent by homeowners on all housing related costs. Renters have a median income of $34,434. This indicates that renters should have a maximum of $803 used for their rent related monthly costs.

Oregon Sales Tax

StateGeneral Sales TaxWith Max Surtax
Oregon0%0%

Oregon Income Tax

StateIncome Tax (Low)Income Tax (High)
Oregon5%9.9%
One thing to keep in mind when considering the cost of living in Bend, OR is the Oregon sales tax and Oregon income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The Oregon sales tax rate is 0% and the maximum surtax that can be charged is 0%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The Oregon income tax rates range from 5% to 9.9%.

Goods & Services

ItemBendNational avg.Difference
Haircut $25.20$14.5972.7%
Beauty Salon $46.60$34.6834.4%
Toothpaste $3.42$2.4738.3%
Shampoo $1.72$1.0268.3%
Movie $10.15$9.872.9%
Bowling $3.45$4.3921.4%

Groceries

ItemBendNational avg.Difference
Ground Beef $4.65$4.483.9%
Fried Chicken $2.69$1.4683.7%
Milk $1.97$2.3616.4%
Potatoes $2.73$3.0610.8%
Pizza $11.00$9.2419.0%
Beer $8.85$8.632.5%

Health Care

ItemBendNational avg.Difference
Optometrist $124.50$99.7824.8%
Doctor $131.85$105.0325.5%
Dentist $101.00$88.7013.9%
Ibuprofen $14.45$9.4153.5%
Lipitor $251.31$298.5015.8%

Housing

ItemBendNational avg.Difference
Home Price $275,000.00$181,400.0051.6%
Avg. Mortgage Payment $1,517.59$1,081.0340.4%
Apartment Rent $909.00$889.002.2%

Transportation

ItemBendNational avg.Difference
Gasoline $2.30$2.099.9%
Tire Balancing $52.33$45.2915.6%

Utilities

ItemBendNational avg.Difference
All Electricity$151.02$170.8011.6%
Phone $25.01$28.2611.5%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Redmond, OR26,1861088%
Deschutes River Woods, OR5,62711818%
Tumalo, OR34712525%
Sunriver, OR1,33214747%
Seventh Mountain, OR25217575%
Bend, OR77,06312121%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
New Rochelle, NY77,07416565%
Redwood City, CA77,03618787%
Napa, CA77,12114545%
Edinburg, TX77,17473-27%
Fishers, IN76,8351011%
Bend, OR77,06312121%
Source: The Bend, OR cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.