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Range Insightsby Range Lab
Range Insightsby Range Lab
Autumn grasses and a winding stream in the Sparks Lake meadow, with a snow-capped Cascade peak under low clouds
Range Insights / Central Oregon

A beautiful place.An impossible price?

$2,395 a month. Median asking rent in Deschutes County.

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Photo: Bonnie Moreland · Public domain
02The price of living here

One of Oregon’s most expensive rental markets.

On Oct 29, 2026, the median asking rent in Deschutes County was $2,395. Of the 26 Oregon counties with at least 30 listings, only two asked more.

Deschutes $2,395 · 814 listingsMultnomah $1,650 · 8,171 listings+$745/mo (+45%)
Every county, one measure

Each Oregon county is shaded by the median asking rent of the rentals listed with a price on Oct 29, 2026: darker teal is cheaper, coral is dearer. Counties with fewer than 30 listings are dotted; 4 had too few for a median and are hatched.

$2,395

Deschutes County

Across 814 priced listings, from studios to four-bedroom houses. Half ask more than $2,395 a month; half ask less.

3rd

Third-highest in Oregon

Ranked, Deschutes sits 3rd. Only Tillamook ($2,450, 61 listings) and Hood River ($2,400, 58 listings) ask more, both much smaller markets. Among counties with 100 or more listings, Deschutes is first.

+$745

More than Portland’s county

Multnomah County, home to Portland and to 8,171 of the state's listings, has a median of $1,650 (15th). A Deschutes renter is asked $745 more a month, 45% more. Both medians come from the same listings, the same rules and the same day.

Your turn

Switch between the map and the ranking, hover a county for its median and sample size, or pick another county to compare.

Range Lab listings · Oct 29, 2026 · 32 counties with a median
View the data as a table
Median asking rent by Oregon county
CountyMedian asking rentPriced listingsRank
Tillamook$2,450611
Hood River$2,400582
Deschutes$2,3958143
Curry$2,00027not ranked
Clackamas$1,9501,4504
Benton$1,9454355
Washington$1,8953,5306
Lincoln$1,8002017
Wasco$1,798748
Morrow$1,77512not ranked
Columbia$1,7508910
Jackson$1,7501,2099
Jefferson$1,7235011
Linn$1,70042012
Yamhill$1,70028613
Clatsop$1,69519814
Multnomah$1,6508,17115
Lane$1,6451,67816
Crook$1,6237617
Polk$1,60016018
Coos$1,50017619
Josephine$1,49545721
Marion$1,4951,61520
Baker$1,40026not ranked
Wallowa$1,40013not ranked
Umatilla$1,39518522
Douglas$1,30031823
Klamath$1,30026724
Union$1,2509125
Malheur$1,1753726
Grant$1,0756not ranked
Lake$1,0008not ranked
Gilliam—1not ranked
Harney—0not ranked
Sherman—2not ranked
Wheeler—0not ranked

Not ranked (fewer than 30 listings): Baker, Curry, Grant, Lake, Morrow, Wallowa. No median (fewer than 5): Gilliam, Harney, Sherman, Wheeler.

Bend seen from Pilot Butte in autumn: streets and rooftops among pines and turning trees, forested hills beyond
Bend, from Pilot Butte

206,334 people. 25,496 households rent.

Deschutes County · Census ACS 2024 5-year estimates

Photo: Roc0ast3r · CC0
03The homes on the market

814 rentals on the market.

Every mark below is one rental listed with a price in Deschutes County on Oct 29, 2026, ordered from the cheapest to the most expensive.

Affordable at 50% AMI
5 of 814
0.6% of listings
0.07 per 100 renter households ≤ 50% AMI
Income level
Unit size
814

rentals with a price.

Apartments, houses, duplexes, manufactured homes: every listing Range Lab could see with an asking rent. It is what a household searching today would find.

But how many are affordable?

Take a household at half the area median income, HUD's “very low income” line. For a family of three that is $54,100 a year (FY2026). Spending 30% of income on rent, they could pay $1,353 for a two-bedroom.

Apply the threshold

Now test every listing against the rent HUD's limit allows for its size: $1,053 for a studio, rising to $1,744 for four bedrooms. Keep scrolling and watch the count fall.

5

Only five priced listings meet the 50% AMI threshold.

They are four one-bedrooms from $838 to $1,095 and one two-bedroom at $1,350. Three of them are vacancies in a single income-restricted, tax-credit building in La Pine.

That is 0.07 listings for every 100 renter households at or below half the area median, about one for every 1,530 of the county's 7,645 such households.

Range Lab listings · Oct 29, 2026 · HUD FY2026 income limits · HUD CHAS 2018-2022 · Derived
Explore the field

Try other income levels and unit sizes. At 80% of AMI, HUD's “low income” line, 371 listings qualify. Hover any mark for its rent and the limit it is tested against.

View the data as a table
Priced listings by unit size against HUD thresholds
Unit sizeListingsMedian rent50% AMI rentAffordable at 50%FY2027 FMRAt or below FMR
Studio17$1,595$1,0530$1,4384
1 bedroom93$1,850$1,1284$1,44719
2 bedrooms239$1,950$1,3531$1,893102
3 bedrooms382$2,595$1,5630$2,621202
4+ bedrooms79$3,800$1,7440$3,16425
No bedroom count4—————
All814$2,395—5—352
04What does affordable actually mean?

The income gap changes everything.

Affordability is rent measured against income. Which income you measure against changes the answer.

What 30% of each income covers, per month
HUD median family income$3,005/mo
Bend-Redmond, OR · FY2026
Median renter household income$1,648/mo
Deschutes County · ACS 2020–2024
Half the area median, household of four$1,503/mo
HUD very-low-income limit · FY2026
Dashed lines: HUD FY2026 income limits for a household of four. Limits rise and fall with household size.
$120,200

HUD’s area median income

HUD estimates a median family income for the Bend–Redmond area every year. Its income limits, the lines that decide who qualifies for most housing help, are percentages of it.

$65,901

What renters here actually earn

The median renter household in Deschutes County earns $65,901 a year, by the Census Bureau's American Community Survey (2020–2024).

55%

Related, not interchangeable

The renter median is 55% of HUD's figure. They measure different groups: HUD's is a median for families (two or more related people, homeowners included), projected to the current year; the Census figure covers every renter household, including people living alone, over five years of surveys.

Area median income, by household

HUD's limits are shares of the area median, adjusted for household size. For four people: $36,050 at 30% (“extremely low income”), $60,100 at 50% (“very low”) and $96,150 at 80% (“low”). The median renter household lands between the 50% and 80% lines.

From income to rent

At 30% of income, HUD's median family could pay $3,005 a month; the median renter household $1,648; a family of four at half the area median $1,503. The median asking rent is $2,395.

HUD FY2026 income limits · Census ACS 2020–2024 (B25119) · Range Lab listings · Oct 29, 2026
Interactive

What could you actually afford?

  • HUD income limits depend on household size; the AMI rent for a unit depends on its bedrooms (HUD sizes them at 1.5 people per bedroom).
  • Fair Market Rent depends on bedroom count, not on income.
  • Affordable housing costs usually include utilities. Asking rents often don’t: add your own utility estimate, or read the result as an asking-rent-only comparison.
  • An income you type in is not a HUD category. Programs check eligibility against HUD’s limit for your household size, shown beside your income.
Starts at the county's median renter household income, $65,901.
Household size
Unit size
Income level to compare (share of area median income)
Asking-rent-only comparison: utilities not counted
HUD’s 50% income limit for a 3-person household in the Bend–Redmond area is $54,100 a year (FY2026). The income you entered is above it.
Monthly housing budget at 30% of income
$1,648

The median two-bedroom listing asks $302 more a month than this budget.

Your budget (30% of income)$1,648
Median asking rent, 2 bedrooms$1,950
HUD 50% AMI rent, 2 bedrooms$1,353
Fair Market Rent FY2027$1,893
44of 239 two-bedroom listings fit this budget · 82 of 810 at any size
Each mark is one priced two-bedroom listing; lit marks ask no more than your budget. HUD sizes a two-bedroom home for 3 people when it sets the AMI rent.
Range Lab listings · Oct 29, 2026 · HUD FY2026 income limits · HUD FY2027 FMR
05The Fair Market Rent paradox

Fair market doesn’t mean affordable.

HUD's Fair Market Rent says what a modest unit typically rents for. It says nothing about who can pay it.

Affordable at 50% AMI
0 of 382
Rent line
$1,563
Compare against
Unit size
Income level
382

three-bedroom rentals.

Listed with a price in Deschutes County on Oct 29, 2026: the homes a family with children would look for.

202

of 382 are at or below Fair Market Rent.

HUD's FY2027 Fair Market Rent for a three-bedroom here is $2,621, in effect since Oct. 1, 2026. By that benchmark, more than half the market looks within reach.

But affordable to whom?

HUD sizes a three-bedroom for four or five people. At half the area median income, that household earns about $62,525 a year (FY2026).

Move the line

Thirty percent of that income is $1,563 a month. Watch the rent line slide from the Fair Market Rent down to what that family can pay.

0

Not one.

None of the 382 observed three-bedroom listings is affordable at 50% AMI. The cheapest asks $1,675, $112 over the line.

Compare the two lines

Switch between Fair Market Rent and the income-based line, for any unit size and income level.

Range Lab listings · Oct 29, 2026 · HUD FY2027 FMR · HUD FY2026 income limits
Definition

Fair Market Rent is a housing-market benchmark used by HUD. It does not mean the rent is affordable for every household.

HUD sets FMR near the 40th percentile of rents paid, including utilities; advertised rents often leave utilities out, so a listing at the FMR can cost a tenant more. Being at or below FMR doesn’t by itself make a listing affordable or available to a voucher holder: the housing authority’s payment standard, the unit’s inspection and the landlord all decide that. The 202 listings at or below FMR are not affordable to households at 50% AMI.

06The market is not standing still

Rents change. The gap remains.

Three years of Zillow's rent index, the rent the median renter household can afford, and Range Lab's own live median since Sept 26, 2026.

Drag the marker or use the arrow keys
$1,500$1,750$2,000$2,250$2,500202420252026$1,648Affordable at the Deschutes median renter income$2,223$1,694$2,395
Zillow ZORI · DeschutesZillow ZORI · MultnomahRange Lab median asking rent
$2,223

Zillow's rent index, Aug. 2026

Up from $2,046 in Sept. 2023: 8.7% in 3 years, 4.0% in the last twelve months.

$575

The gap, every month

The dashed line is what the median renter household can pay at 30% of income: $1,648 (ACS 2020–2024, so it is held flat here). Zillow's index sits above it in every month on record.

$2,395

Range Lab’s live median

Range Lab has tracked every priced listing here daily since Sept 26, 2026. Its median reads higher than Zillow's because it measures something else: the middle of what is advertised today, where Zillow smooths listed rents across the middle of the market and weights them to the whole rental stock.

The listings we see grew from 487 to 814 over those weeks as sources were added, so the daily line describes today's market, not a trend.

5.5%

Multnomah, for comparison

Multnomah County's index rose 5.5% over the same 3 years and 0.7% in the last twelve months, to $1,694.

Read any month

Drag the marker, or focus the chart and use the arrow keys. Choose a range to zoom in.

Zillow ZORI (monthly, through Aug. 2026) · Range Lab listings · Oct 29, 2026 · ACS 2020–2024
View the data as a table
Zillow Observed Rent Index by month
MonthDeschutesMultnomah
Sept. 2023$2,046$1,606
Oct. 2023$2,057$1,608
Nov. 2023$2,070$1,610
Dec. 2023$2,087$1,613
Jan. 2024$2,086$1,614
Feb. 2024$2,087$1,619
March 2024$2,095$1,624
April 2024$2,093$1,632
May 2024$2,096$1,635
June 2024$2,087$1,643
July 2024$2,096$1,645
Aug. 2024$2,099$1,648
Sept. 2024$2,104$1,654
Oct. 2024$2,103$1,659
Nov. 2024$2,102$1,663
Dec. 2024$2,086$1,662
Jan. 2025$2,096$1,664
Feb. 2025$2,103$1,665
March 2025$2,119$1,666
April 2025$2,119$1,668
May 2025$2,123$1,670
June 2025$2,128$1,676
July 2025$2,134$1,681
Aug. 2025$2,138$1,683
Sept. 2025$2,143$1,683
Oct. 2025$2,149$1,683
Nov. 2025$2,154$1,684
Dec. 2025$2,169$1,687
Jan. 2026$2,174$1,690
Feb. 2026$2,178$1,690
March 2026$2,173$1,691
April 2026$2,184$1,691
May 2026$2,195$1,693
June 2026$2,209$1,692
July 2026$2,214$1,692
Aug. 2026$2,223$1,694
07Where is the housing?

Finding the homes behind the numbers.

From the county-wide figures to the places themselves: where the listings are, where the income-restricted housing is, and where to find help.

92BendRedmondSistersLa PineSunriverTerrebonne
Listings: 550 of 814 geocoded, cells under 3 hidden · Properties: Range Lab directory · Outline: Census TIGERweb
The county

206,334 people live in Deschutes County and 25,496 households rent (ACS 2024). Most live along US 97, from Redmond through Bend to La Pine, and west toward Sisters.

Where the listings are

Each hexagon, about 1.6 km across, is shaded by how many priced listings fall inside it. 550 of the 814 listings carry map coordinates; cells with fewer than three aren't drawn.

By ZIP code, the most listings are in 97702 (204, median $2,600), 97701 (187, median $2,395), 97703 (184, median $2,600). A listing is an advertisement, not a count of every vacant home.

60

income-restricted rental properties

Range Lab's directory lists 60 properties open to anyone under their income limits, with 2,279 homes among the 52 that report a count. 49 have a mapped location. These are buildings, not vacancies; most fill from waitlists.

Kept separate

11 more are referral or care housing, for specific groups or filled through agencies (175 homes reported); the map shows them only as a count per town. 12 are in development, 872 homes planned, and aren't mapped until they open.

484

community services

Range Lab's directory lists 484 public services in the county, including 21 housing-assistance programs, 27 shelter and crisis services and 58 food programs.

Find services on Rangefinder

Explore the region

Switch layers, zoom to a town, or open a property for its income limits and programs. Details and applications are on the Rental Search Tool.

Range Lab listings · Oct 29, 2026 · Range Lab income-restricted directory · Census TIGERweb
View the data as a table
Priced listings by ZIP code
ZIPPriced listingsMedian rent
97702204$2,600
97701187$2,395
97703184$2,600
97756160$2,100
9773932$1,800
9775925$2,700
9770715$2,600
977607$2,300
08The road ahead

What would it take to close the gap?

No single number answers that. These measures sit side by side because each counts something different; none of them adds up with another.

Homes authorized by building permits
2,399

Sept. 2025–Aug. 2026. 844 in buildings of five or more units; 2,239 in the 12 months before.

Sept. 2023Aug. 2026
Census Building Permits Survey
Under construction or completed
—

Permits are authorizations, not homes. Range Insights doesn't yet track starts or completions here.

Not tracked
Tax-credit (LIHTC) homes in service
1,857

Low-income homes in 30 projects; 587 placed in service in the last 10 years.

HUD LIHTC database, through 2024
Income-restricted rentals, directory
60

Properties open to anyone who qualifies, 2,279 homes where reported (52 of 60). Plus 11 referral or care properties.

Range Lab directory · Oct 29, 2026
Properties in development
12

872 homes planned. Not open yet, and not counted with the properties above.

Range Lab directory · Oct 29, 2026
HUD-assisted homes
1,226

In the Housing Choice Voucher program, plus 214 project-based homes.

HUD Picture of Subsidized Households 2025
Rentals advertised
814

Priced listings on Oct 29, 2026; 352 at or below FMR for their size, 5 affordable at 50% AMI.

Range Lab listings · Oct 29, 2026
Renters paying 30% or more
50%

11,994 of 23,912 renter households; 25% pay half their income or more.

Census ACS 2024 5-year
Lowest-income renters, severely burdened
71%

3,115 of 4,385 renter households at or below 30% AMI pay more than half their income for housing.

HUD CHAS 2018-2022
Scenario explorer

What if more rentals were affordable?

Today 5 listings are affordable at 50% AMI, against 7,645 renter households at or below that income. Add hypothetical listings and watch the ratio.

A mathematical scenario, not a forecast, a production estimate or a policy model. Adding a property does not add one available home, and a listing is not a vacancy held for anyone.

0.07affordable listings per 100 renter households at or below 50% AMI

5 listings ÷ 7,645 households × 100 · about one listing for every 1,529 households

100 squares = 100 households; a lit square = one affordable listing per 100
Sources and method

Every figure on this page is frozen at Oct 29, 2026and recalculated from the listings and HUD’s published limits. Read how each was made, what was excluded and what we checked by hand.

Autumn grasses and a winding stream in the Sparks Lake meadow, with a snow-capped Cascade peak under low clouds

The numbers tell a story. What we do with them matters.

Better information helps communities understand the gaps, explore the resources, and make more informed decisions.

Range Insightsby Range LabStory v1.0 · Data frozen Oct 29, 2026 · Rental listings from Range Lab's Rental Search Tool
Photo: Bonnie Moreland · Public domain

How we calculated this

Story v1.0. Every figure is frozen at a single snapshot, Oct 29, 2026 (2026-10-29), for Deschutes County, Oregon (FIPS 41017), and recalculated from the listings and the published sources below. If the data is refreshed, the story is re-frozen deliberately and every dependent number is re-checked; it never mixes days. See also the site-wide methodology.

The listings

Range Lab collects rental listings from listing sites and property-manager websites (the same data as the Rental Search Tool). On Oct 29, 2026, 821 listings in the county were on the market. 5 were commercial space, garages or storage and 2 had no plausible rent ($200–$15,000); the remaining 814 are the priced listings this story counts. 4 of those give no bedroom count, so they count in totals and medians but can't be tested against a size-based limit.

Listings are counted, not vacant homes: a home advertised on two sites is usually merged into one record, but some duplicates remain, and some homes are never advertised where we look. 432 of the 814 were seen live on their source site on or after Oct 27, 2026; the rest were still marked on the market by their source but hadn't been re-checked in those three days.

Affordable at 50% AMI

A listing is affordable at an income level when its asking rent is no more than 30% of HUD's income limit for the household HUD sizes that unit for: 1 person for a studio, 1.5 per bedroom above that (a half-person averages the two neighbouring limits). HUD FY2026 limits for the Bend-Redmond, OR HUD Metro FMR Area; median family income $120,200. Rents at 50% AMI: studio $1,053 · 1BR $1,128 · 2BR $1,353 · 3BR $1,563 · 4BR $1,744. 100% AMI is twice the 50% limit, HUD’s convention.

The ratio: 5 affordable listings ÷ 7,645 renter households at or below 50% of HUD area median family income (HUD CHAS 2018-2022: 4,385 at or below 30% plus 3,260 from 30 to 50%) × 100 = 0.07. CHAS is older than the listings, so it is a scale for the need, not a queue. The share of listings (5 of 814, 0.6%) and the ratio to households answer different questions and have different denominators.

The listings we checked by hand

Because the count is small, we opened every listing behind it. The daily snapshot for Oct 29, 2026 counted 6 at 50% AMI (and 1 at 30% AMI, among 815 priced listings). One, a $375 Bend “studio”, is an office suite whose ad says “commercial inquiries only”; that wording is now a rule (commercial space is excluded from rent figures), which brings the count to 5, the 30% AMI count to 0 and the priced listings to 814. Of the five:

  • Three are vacancies in one income-restricted (LIHTC) building in La Pine, listed in Range Lab's directory. Two have the same rent and size; their source lists them as separate units, so they count twice.
  • The Redmond one-bedroom was last seen on its listing site on Oct 23, 2026; its source still had it on the market.
  • Each was checked for duplicate records, the monthly rent, the bedroom count, fees and utilities. Two include water (with sewer or trash) but leave electricity to the tenant; the three tax-credit listings say nothing about utilities. Counting utilities, as HUD's 30% standard does, could push some of the five over the line, so 5 is an upper bound.

Listing names and addresses stay private; the review notes are kept by Range Lab.

Fair Market Rent

HUD FY2027 Fair Market Rents for the Bend–Redmond area, effective Oct. 1, 2026: studio $1,438 · 1BR $1,447 · 2BR $1,893 · 3BR $2,621 · 4BR $3,164. FMR estimates the rent plus utilities of a typical modest unit (about the 40th percentile of recent movers' rents). It is used to set voucher payment standards; it is not an affordability line. FY2026 values were $1,362, $1,371, $1,784, $2,481, $2,993.

Incomes

HUD median family income ($120,200, FY2026) is HUD's estimate for families in the Bend–Redmond metro area, trended to the fiscal year. The median renter household income ($65,901) is Census ACS 2020–2024 table B25119, renter-occupied households of every size and type, in 2024 dollars. They describe different populations; neither is the other's subset.

The calculator

Budget = annual income × 30% ÷ 12, minus any utility estimate you enter. It is compared with the median asking rent for the unit size, HUD’s AMI rent for that size, the FMR, and each frozen listing of that size. HUD’s limit for your household size is shown next to your income; the tool doesn’t decide eligibility.

The county ranking

Medians of priced listings on Oct 29, 2026 for every Oregon county, from the same pipeline and rules. Counties with fewer than 30 priced listings aren't ranked (Baker, Curry, Grant, Lake, Morrow, Wallowa); with fewer than 5 there's no median (Gilliam, Harney, Sherman, Wheeler). Deschutes is 3rd of 26.

Rents over time

Zillow Observed Rent Index (ZORI), county level, Sept. 2023–Aug. 2026: a smoothed measure of typical asking rents (listed rents in the middle of the market, weighted to reflect the whole rental stock). Range Lab's daily median is the stored live snapshot for each day since Sept 26, 2026; days before that were rebuilt and aren't shown, and the number of listings observed grew over the period, so no trend is claimed from it.

The map

County outline: Census TIGERweb; highways: Census TIGERweb. Listings are binned by their own coordinates into hexagons about 1.6 km across; cells with fewer than 3 listings (34 listings) aren't drawn, and 264 listings without usable coordinates aren't on the map. Income-restricted properties are Range Lab's directory: “general” properties are open to anyone under the income limits and are mapped where coordinates exist (49 of 60); referral or care housing is shown only as a count per town; properties in development aren't public in the directory and are counted, not mapped.

The road-ahead measures

Permits: Census Building Permits Survey, monthly units authorized (Sept. 2025–Aug. 2026). LIHTC: HUD's LIHTC database (through 2024). HUD-assisted: HUD Picture of Subsidized Households 2025. Cost burden: ACS 2024 5-year (gross rent as a share of income) and HUD CHAS 2018-2022. Services: Range Lab's public directory on Oct 29, 2026. These count different things (authorizations, buildings, homes, listings, households) and are not added together.

Snapshot record

  • Snapshot: 2026-10-29, Deschutes County, OR (geo key oregon/deschutes-county); narrative v1.0.
  • Listings: Range Lab housing snapshot (public_insights.housing_daily) recomputed from listings; 814 priced, median $2,395.
  • HUD: income limits FY2026, FMR FY2027; CHAS 2018-2022; Census ACS 2020–2024; Zillow ZORI through Aug. 2026.
  • Frozen by scripts/insights/deschutes-housing-affordability-2026.ts; figures pinned by tests/insights-deschutes.test.ts.