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Gas Cost Calculator for Bend, OR
Local data pre-filled
Gas prices in Bend, OR average roughly $4.20/gallon, adjusted for the local cost of living index of 120. Calculate your monthly and annual fuel costs based on your commute in Bend.
Data as of · Sources: Zillow, Census ACS, Tax Foundation, Freddie Mac
Oregon Financial Snapshot (2026) — Gas Cost Calculator
Cost-of-living index scales typical utility spend for the gas cost calculator in Oregon.
How the Gas Cost Calculator Math Works Under Oregon Law
The Gas Cost Calculator runs a well-known formula (principal × rate, discounted cash flow, amortization, or equivalent) client-side and layers on Oregon's tax and cost-of-living inputs. State-specific numbers — brackets, exemptions, and averages — come from public federal / state datasets cited in the sources section.
Local context: Bend, OR
Housing economics in Bend, OR. The median home value runs 86.6% above the U.S. baseline for Bend, OR is $667,876 per Zillow's home-value index. Median rent runs $2,154 a month per Zillow ZORI, a premium over the national $1,850 baseline. Effective property tax sits at 0.90% of assessed value, below the 0.99% national average tracked by the Tax Foundation.
Income and tax climate. Oregon's top marginal state income tax bracket lands at 9.90% — compared to the volume-weighted national average around 4-5%. BEA's Regional Price Parity scores Bend, OR at 120.0 (national = 100), meaning a dollar in Bend, OR buys 83¢ of national purchasing power.
Local context as of 2026-04-19.
Bend versus the U.S. baseline
| Metric | Bend, OR | U.S. baseline | Difference |
|---|---|---|---|
| Median home value[zillow] | $667,876 | $358,000 | 86.6% |
| Median monthly rent[zillow] | $2,154 | $1,850 | 16.4% |
| Property tax (effective)[tax-foundation] | 0.90% | 0.99% | -9.1% |
| State top marginal income tax[tax-foundation] | 9.90% | ~4.08% (volume-weighted) | 5.8 pp |
| State cost-of-living index[bea-rpp] | 120.0 | 100.0 | 20.0 pts |
How to use the Gas Cost Calculator
Walk through using the Gas Cost Calculator with Bend, OR-specific defaults pre-loaded from primary sources.
- Enter your Bend numbersFill in the gas cost inputs. Defaults reflect Bend, OR 2026: median home $667,876, median rent $2,154/mo, 0.90% effective property tax.
- Apply the local 2026 inputsThe median home value in Bend is $667,876 (Zillow ZHVI), with median monthly rent running $2,154/mo.
- Compare against Bend contextMonthly PITI on the $667,876 median home in Bend is ~$4,202/mo — vs a $2,154/mo median rent.
How Oregon Compares to Neighboring States
| State | Median home | Top inc tax | Prop tax rate | RPP (US=100) |
|---|---|---|---|---|
| Oregon (this page) | $490,000 | 9.90% | 0.87% | 104.8 |
| see California | $770,000 | 13.30% | 0.76% | 112.2 |
| Idaho equivalent | $465,000 | 5.70% | 0.69% | 92.2 |
| Nevada side-by-side | $430,000 | None | 0.56% | 97.9 |
| compare to Washington | $615,000 | None | 0.98% | 108.4 |
Sources: Zillow ZHVI[1], state Departments of Revenue / Tax Foundation[2], Tax Foundation property taxes[3], BEA Regional Price Parities[4].
What Changes Your Result in Oregon
- Oregon cost-of-living drag:Line-item costs in Oregon deviate from the US mean by whatever the BEA all-items RPP deviates from 100. Weight your budget toward the state average rather than the national average.
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- Oregon ev vs gas numbers for 2026 — gas cost is one input to EV vs gas.
How Bend Compares to the National Average
Understanding how Bend stacks up helps you calibrate your financial planning.
| Metric | Bend, OR | US Average | Difference |
|---|---|---|---|
| Median Home Price | $667,876 | $420,800 | +58.7% |
| Median Monthly Rent | $2,154 | $1,713 | +25.7% |
| Median Household Income | $85,509 | $74,580 | +14.7% |
| Property Tax Rate | 0.90% | 1.10% | -18.2% |
| Cost of Living Index | 120 | 100 | +20.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Bend Financial Snapshot
- Population (Metro)
- 205,000
- Unemployment
- 3.7%
- Avg Commute
- 18 min
- Median Age
- 38.5
- Price-to-Rent Ratio
- 25.8x
- Annual Property Tax
- $6,011
More Financial Calculators for Bend, OR
Frequently Asked Questions — Bend
- Can median-income households afford the median home in Bend?
- With a ~$4,202 monthly PITI and $85,509 median income, housing would consume ~59.0% of gross annual income. Qualifying under the 28% DTI rule requires ~$180,086 in annual income. Educational reference only.
- Is it better to rent or buy in Bend?
- Bend's price-to-rent ratio (25.8x) tilts toward renting — above 20x, buying is generally expensive relative to renting.
- What is the annual property tax bill on the median home in Bend?
- Approximately $6,011/yr at the 0.90% effective rate on the $667,876 median home. The national average effective rate is 1.07%.
- What share of median income goes to rent in Bend?
- The $2,154/mo median rent represents 30.2% of the $85,509 median household income. The recommended housing cost threshold is 30%; Bend exceeds that guideline. Educational reference only.
- How much does commuting cost in Bend?
- Average commute time in Bend is 18 minutes per ACS. Estimated annual commute cost runs about $3,136. Educational reference only.
- How does the cost of living in Bend compare to the national average?
- Bend's BEA RPP index is 120, 20% above the national baseline of 100. For a household earning the national median income of $77,540, this translates to ~$15,508/yr in purchasing power difference. Educational reference only.
- What is the median home price in Bend, OR?
- The median home price in Bend is $667,876 as of 2025–2026.
- What is the average rent in Bend?
- The median monthly rent in Bend, OR is $2,154.
- Does the gas cost replace professional advice?
- No. This calculator gives educational estimates using public Bend data and standard formulas. It is not personalized tax, legal, or investment advice. Consult a licensed professional for decisions with material consequences.
How we compute this — methodology
The Bend page uses local median home price ($667,876), median rent ($2,154/mo), and property tax rate (0.90%) alongside the calculator's client-side formula. Calculations run in your browser — no inputs are sent to a server.
Known limits: ZIP-level variance within Bend can be substantial — the figures shown are city-wide medians. For a precise property tax quote, consult your county assessor.
Sources
- Zillow Research — ZHVI (Zillow Home Value Index) + ZORI (Zillow Observed Rent Index), city-level. zillow.com/research/data. Retrieved 2026-04-19.
- U.S. Census Bureau — American Community Survey (ACS) 5-year estimates for median household income and population. census.gov/programs-surveys/acs.
- CalcFi state financial context — tips + first-time homebuyer programs compiled from each state's Housing Finance Authority (HFA) public pages. See
src/data/state-financial-context.ts. - Tax Foundation — state property tax effective rates and state/local sales tax rates. taxfoundation.org.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — weekly national mortgage rate averages used by mortgage-related calculators. freddiemac.com/pmms.
- U.S. Energy Information Administration — residential electricity / natural gas / gasoline — www.eia.gov. Retrieved 2026-04-19.
- FRED (Federal Reserve Economic Data) — real median household income, unemployment, HPI, LFPR per state — fred.stlouisfed.org. Retrieved 2026-04-19.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — weekly national mortgage rates — www.freddiemac.com/pmms. Retrieved 2026-04-19.
- NAIC Dwelling Fire, Homeowners Owners, and Homeowners Tenants Insurance Report — content.naic.org/article/homeowners-insurance-report. Retrieved 2026-04-19.
- State Departments of Revenue — official bracket + deduction publications (one primary URL per state; linked in the brackets table below) — taxfoundation.org/data/all/state/state-income-tax-rates. Retrieved 2026-04-19.
- Bureau of Economic Analysis — Regional Price Parities by State — www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area. Retrieved 2026-04-19.
- U.S. Department of Labor — State Minimum Wage Laws — www.dol.gov/agencies/whd/minimum-wage/state. Retrieved 2026-04-19.
- BLS Occupational Employment and Wage Statistics (OEWS) — state-level occupational wages — www.bls.gov/oes. Retrieved 2026-04-19.
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