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

Market data refreshed October 1, 2026. For the three months ending August 2026, Redfin reported a Bend median sale price of $698,538, a median 36 days on market, and 651 homes sold. The median sale price was 1.6% lower than the same period a year earlier. Source: Redfin Bend Housing Market.

The U.S. Census Bureau estimated Bend's population at 107,342 on July 1, 2025, 8.2% above the April 2020 estimate base. Source: U.S. Census Bureau QuickFacts.

Schools and education research

Research links reviewed October 1, 2026. Assignments and program availability depend on the property address. Use the official Bend-La Pine Schools boundary and enrollment tools. Verify ratings, boundaries, programs, transportation, and enrollment directly with the applicable district; this guide does not rank or recommend schools or neighborhoods.

Business and development watch

In September 2026, the City of Bend launched “Bend Made,” a 20-year plan intended to coordinate housing, infrastructure, and jobs. The plan is in development and future outcomes are not guaranteed. Source: City of Bend, September 2026.

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.

Market statistics are historical snapshots and may change. School information is provided for neutral research and is not a recommendation or guarantee. This information is educational and is not an appraisal, property valuation, or commitment to lend. Loan approval is subject to underwriting and program requirements.