Bend, Deschutes County, Oregon Property Taxes
Property Taxes in Bend, Oregon
Median Bend, Oregon effective property tax rate: 0.60%, significantly lower than the national median of 1.02%, and lower than the Oregon state median of 0.87%.
Median Bend, Oregon home value: $729,970
Median annual Bend, Oregon tax bill: $4,273, $1,873 higher than the national median property tax bill of $2,400.
How are property taxes in Deschutes calculated?
Property taxes in Bend, Oregon are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Bend's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Bend, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Bend, Deschutes County, Oregon Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.6%
Estimate Property Tax Bill
$4,380
$4,064
How Does the Bend Property Tax Calculator Work?
Use this Bend property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Bend's median effective tax rate of 0.60% — based on actual property records in Deschutes County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Bend's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Bend: rates range from $3,746 in 97701 to $5,759 in 97703, primarily due to differences in school district levies and local assessment districts. Bend's median tax rate of 0.60% is lower than the state median of 0.87%, but the median tax bill of $4,273 is higher than the national median property tax bill of $2,400. For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Bend.
About Bend Property Taxes
About Property Taxes in Bend, Deschutes, Oregon
Bend’s median effective property tax rate of 0.60% is lower than the Oregon state median of 0.87% and lower than the national median of 1.02%. This rate reflects the Deschutes County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Bend. Homeowners in the 97701 ZIP code carry a median effective rate of 0.61%, while those in 97703 pay 0.56%. This spread — 0.05 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Deschutes County. Understanding which part of Bend you live in can make a meaningful difference to your annual tax bill.
Bend homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before December 31, 2026.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Bend, Deschutes County, Oregon
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Bend's effective property tax rate to other cities in Oregon and the median property tax rates in Oregon and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Bend Tax Rate
0.60%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Deschutes County Tax Rate
0.62%
Median Effective Oregon Tax Rate
0.87%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Bend, Deschutes County, Oregon
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 97701 | 0.48% | 0.55% | 0.61% | 0.67% | 0.74% |
| 97702 | 0.45% | 0.53% | 0.61% | 0.67% | 0.76% |
| 97703 | 0.34% | 0.45% | 0.56% | 0.66% | 0.75% |
| 97707 | 0.35% | 0.50% | 0.59% | 0.68% | 0.77% |
Source: Ownwell
Property Tax Assessment Values Across Bend, Deschutes County, Oregon
When examining property taxes in Bend, Oregon, understanding the distinction between "market value" and "assessed value" is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Deschutes County appraisal district estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Deschutes County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of October.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. For example, the median home price in Bend is $729,970, with tax bills ranging significantly across the county. 97703 has the highest median home price at $1,037,035.
Property Tax Assessment Values Across Bend, Deschutes County, Oregon
Source: Ownwell
$391,060
$714,048
$1,037,035
Median Bend Market Value
$729,970
Median Deschutes County Market Value
$648,885
Median Oregon Market Value
$450,850
Median United States Market Value
$235,294
Property Tax Assessment Values Across Bend, Deschutes County, Oregon
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 97701 | $448,244 | $512,670 | $598,620 | $725,998 | $966,191 |
| 97702 | $439,518 | $558,250 | $694,180 | $924,805 | $1,296,240 |
| 97703 | $610,048 | $797,565 | $1,037,035 | $1,361,738 | $1,848,919 |
| 97707 | $350,128 | $522,600 | $743,670 | $961,670 | $1,267,136 |
Source: Ownwell
Property Tax Bills Across Bend, Deschutes County, Oregon
Property tax bills in Bend are based on the assessed value of a home, not its market price alone. Local taxing authorities apply the tax rate to that assessed value to determine the annual bill, and the amount can vary depending on location, exemptions, and other local levies.
With a median home price of $729,970, homeowners in Bend often see bills that are well above the national median property tax bill of $2,400. The 25th percentile tax bill is $3,167, while the 75th percentile reaches $6,052, showing how much bills can differ across properties. At the high end, the 90th percentile tax bill is $8,751.
In Deschutes County, the lowest median tax bill is $3,746 in ZIP code 97701, while the highest median tax bill is $5,759 in ZIP code 97703. For homeowners, this means property taxes can have a meaningful impact on annual housing costs and should be reviewed carefully each year.
Median Bend Tax Bill
$4,273
Median Deschutes County Tax Bill
$3,985
Median Oregon Tax Bill
$3,806
Median United States Tax Bill
$2,400
Property Tax Bills Across Bend, Deschutes County, Oregon
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 97701 | $2,507 | $3,063 | $3,746 | $4,576 | $5,674 |
| 97702 | $2,244 | $3,161 | $4,158 | $5,706 | $8,173 |
| 97703 | $2,523 | $3,848 | $5,759 | $8,071 | $11,139 |
| 97707 | $1,438 | $2,710 | $4,265 | $6,117 | $8,445 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | December 31 |
Links | |
|---|---|
| Deschutes Tax Assessor | |
| Website | dial.deschutes.org |