LOCAL MORTGAGE GUIDE

Bend, Oregon

Bend and Central Oregon mortgage guidance for primary residences, second homes, and higher-price properties.

Bend housing market at a glance

For the three months ending July 2026, Redfin reported a median sale price of $733,133, 28 days on market, and 637 homes sold. The median price was 2.8% higher than a year earlier. Review the current Bend market data.

The U.S. Census Bureau estimated Bend’s July 1, 2025 population at 107,342, up 8.2% from the 2020 estimate base. View Bend QuickFacts.

Schools and education research

Assignments and program availability depend on the property address. Use ratings only as a starting point, then verify boundaries, transportation, enrollment, and programs directly with Bend-La Pine Schools or the applicable district.

Business and development watch

Central Oregon’s economy includes health care, tourism, construction, outdoor products, technology, professional services, and remote-work households. Growth can affect traffic, utilities, inventory, and pricing.

What the numbers mean for a buyer

Bend’s higher median price makes loan limits, down payment, reserves, appraisal support, and debt-to-income planning important. Occupancy rules, wildfire exposure, insurance, wells, septic systems, and acreage may also matter.

Explore mortgage options, read Get Jeffed Up, or ask Jeff.

Dated third-party market snapshot, not an appraisal or prediction. School information is not a recommendation. Loan approval is subject to underwriting and program requirements.