Deschutes County, Oregon: What It Costs to Buy a Home
The median home in Deschutes County is worth $596,000, property taxes on it run about $3,670 a year (0.62%), the FHA loan limit is $718,750, and there is no transfer tax; title insurance on it runs about $2,050. Each number below opens its own page with the source and a calculator.
| Median home value | $596,000 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $3,670 a year, 0.62% of value | Property tax page → |
| FHA loan limit (1 unit) | $718,750 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax | None in Oregon | Oregon transfer tax page → |
| Title insurance on the median home | $1,500 owner's + $550 lender's | Title insurance page → |
| Closing costs from these items | $2,050 | Closing costs page → |
| Area median income (HUD, family of 4) | $120,200; low-income limit $96,150 | Income limits page → |
Frequently asked questions
How much do homes cost in Deschutes County?
The median owner-occupied home in Deschutes County is valued at $596,000, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Deschutes County?
The median Deschutes County homeowner pays $3,670 a year in real estate taxes, about 0.62% of the median home value ($3,622 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Deschutes County?
$718,750 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Deschutes County?
On the $596,000 median home: no transfer tax in Oregon, title insurance $2,050 for both policies, about $2,050 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Deschutes County?
HUD's FY 2026 median family income for Deschutes County (Bend-Redmond, OR HUD Metro FMR Area) is $120,200. A family of four counts as low income below $96,150 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Oregon counties
- Coos County $302,800
- Crook County $423,300
- Curry County $366,700
- Douglas County $283,200
- Gilliam County $158,400
- Grant County $225,100
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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