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Compare Bend, OR mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Bend.
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Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Compare Today's Bend, OR Mortgage Rates
November 29, 2023
Current mortgage rates in Bend, OR are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's Bend, OR Rates
National Average
Comparison
30 Year Fixed Rate
%
7.440%
15 Year Fixed Rate
%
6.760%
5/1 Adjustable Rate Mortgage
%
6.750%
How Affordable is Housing in Bend, Oregon?
Below we provide helpful information on the real estate market, home prices and housing affordability in Bend. Understand how much you need to earn to afford a home in Bend, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Bend fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Bend is right for you.
The median home value for Bend, OR (Deschutes County) is $599,922
Based on current mortgage rates and a 10% down payment, you need to make $125,153 per year to buy the median priced home in Bend
With this income, you could qualify for a $539,930 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Bend is $2,898
The median household income for Bend, OR (Deschutes County) is $80,961
Based on this income, you can afford a home valued at approximately $388,086
The home price you can afford to buy based on household income in Bend is 65% of the median home value which means housing prices are very expensive.
Bend (Deschutes County) ranks 34 out of 36 counties in Oregon and 3,084 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Bend, OR is very expensive
Loan Limits for Bend, Oregon
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Bend (Deschutes County) below.
Conforming loan limits for Bend, OR
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Bend, OR
1 unit:$690,000
2 units:$883,300
3 units:$1,067,750
4 units:$1,326,950
VA loan limits for Bend, OR
1 unit:$726,200
Additional Mortgage Resources for Bend, OR Residents