Bend, OR · Updated Oct 2026

What a Bend house pays

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Sent only to free public map services to find who serves it. Not stored unless you save your house.

Example · a Bend house

$10,422a year · $868 a month

Starts at $295,660 of value before exemptions. Typical use.

A typical Bend house pays about $10,400 a year: $4,980 property tax and charges, $1,690 water and sewer, $270 trash, $2,590 electricity and gas, $890 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 20, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

Nothing here applies to every house automatically. These are worth checking:

Switch to the 20-gal mini cartUp to $36 a year
Your cart costs $22 a month; the smallest costs $19. Worth it if you rarely fill it.
How: Contact your hauler about a change in your service plan: Republic Services 541.382.2263 or Cascade Disposal 541-382-6660.
Low-income households: discount on the city utility billDiscount on base fees
Low-income single-family homes can get monthly discounts on the water, sewer and stormwater base fees and the transportation fee, applied directly to the Water Services account.
How: Apply through NeighborImpact: 541-604-0256 or bendwater@neighborimpact.org.
Pay the property tax in full by November 163% off
Paying the whole year by November 16 takes 3% off; paying two-thirds by then takes 2% off. Installments get no discount.
How: Pay online at deschutescounty.gov/tax, by mail, or at 1300 NW Wall St.
Appeal your sewer Winter Quarter Average
Sewer volume is billed on winter water use. New customers who use less than the default, or owners who had a qualifying event during the winter months, may be able to appeal their Winter Quarter Average.
How: Use the city's Winter Quarter Average appeal form.
Seniors 62+ and disabled homeowners: property tax deferral
Homeowners 62 or older, or under 62 and receiving federal Social Security Disability, may qualify (income limit). The State of Oregon pays the property taxes; a lien is placed and interest accrues at 6% a year.
How: Apply to the Assessor's Office by April 15, 2027; questions: Oregon Department of Revenue, (503) 945-8348.
Disabled veterans and surviving spouses: property tax exemption
Veterans with a 40% or greater service-connected disability, and surviving spouses who have not remarried, may qualify for a property tax reduction.
How: Call (541) 388-6508 for an application; due April 1, 2027.
Low-income households: Pacific Power bill discount
Low-income residential customers may qualify for a discount on their monthly Pacific Power bill (Schedule 7).
How: Ask Pacific Power about the Schedule 7 Low Income Discount.
Low-income households: Cascade Natural Gas bill and weatherization help
Cascade runs income-qualified weatherization and bill payment assistance programs.
How: Call Cascade Customer Service at 1-888-522-1130.

Adjust to match your bills

What you knowTrash cartWeekly cart service; curbside recycling is included, yard waste is $6.88 a month extra.

Value before exemptionsThe assessed or appraised value on your tax bill or notice, before exemptions (not the "taxable" line).

Home insurance, a yearFrom your policy. We start at $886, Oregon statewide average for 2023, NAIC data in the Oregon Insurance Commissioner's January 2025 legislative briefing.

Earthquake insurance, a yearSeparate from home insurance. Most owners don't have it.

Your use

Water, units a month

On your water bill. 1 unit (CCF) is 748 gallons. A typical house uses 7–12.

Electricity, kWh a month

On your Pacific Power bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Dec 31, 2026in 69 daysLast day to appeal your property value to the Property Value Appeals Board
Feb 16, 2027in 116 days2nd trimester property tax payment due
Apr 1, 2027Disabled veteran / surviving spouse exemption applications due
Apr 15, 2027Senior & disabled citizen deferral applications due

Who serves this house

Water: City of Bend Water Services; City of Bend rates for customers inside city limits; monthly base charge by meter size ($29.79 for the 3/4" meter a typical home uses) plus $2.48 per 100 cubic feet of all water use; rates are subject to franchise fees
Property tax: 1.68% of value; 2026-27 tax year, Deschutes County code area 1-001 (City of Bend)
Garbage: Republic Services or Cascade Disposal; Cascade Disposal serves the south side of Bend
Sewer: City of Bend; Charged with water and stormwater at the residential rate
Electricity: Pacific Power; Residential Schedule 4
Gas: Cascade Natural Gas; Residential Schedule 101
Schools: Bend-La Pine Schools; School District #1 on the property tax bill

Pay or manage your bills

Your water

Source: Surface water from the Bend Municipal Watershed (Tumalo Creek/Bridge Creek), plus 20 city wells in the Deschutes Regional Aquifer
Lead: The 2024 inventory found zero lead service lines among 30,634; 90th-percentile lead in tap tests was 0 ppb
PFAS: PFAS found at one well, Copperstone Well #1, which was put on emergency-only status in July 2025
Violations: One late-reporting violation in 2025 (Aug. 11); the city says water quality was not compromised

How these numbers are made

Water and sewer prices include the 6% franchise fee the city adds for customers inside city limits (rate x 1.06). Sewer volume is billed on your winter average, not this month's use; the calculator approximates it as this month's use capped at the 441 cubic foot default.
Property tax: the 2026-27 Deschutes County rates for code area 1-001 (City of Bend), $16.8419 per $1,000 of assessed value, applied to taxable assessed value; Oregon has no homestead exemption.
The starting assessed value ($295,660) is our estimate: Bend's Census median home value ($718,400) times the City of Bend's Real Property total assessed value divided by its real market value on the 2026-27 roll ($16,706,404,143 / $40,593,475,911, about 0.41), because the county publishes no median assessed value for Bend homes.
Water and sewer: City of Bend fees from July 1, 2026 (3/4" meter $29.79 + $2.48 per 100 cubic feet; sewer $42.71 + $4.48 per 100 cubic feet of winter average use), with the $8.81 stormwater charge and $10.75 transportation fee listed separately.
Garbage: the City's maximum franchise rates for weekly cart service from July 1, 2026 (Resolution 3486), billed by Republic Services or Cascade Disposal.
Electricity: Pacific Power Schedule 4 prices in effect April 1, 2026, with the 1.5% public purpose charge, system benefits and Energy Trust charges and the BPA credit (applied below 2,000 kWh, as the price summary lists it) folded into the per-kWh price. Gas: Cascade Schedule 101 rates effective October 31, 2025, without the public purpose charge; Cascade filed for a rate increase expected October 31, 2026. City fee lines: Pacific Power pays Bend a 7% franchise fee (Ordinance NS-2346) and Cascade a 7% right-of-way use fee (Resolution 3370, from June 1, 2024, under Bend Code 3.20); OAR 860-022-0040 puts the first 3.5% (electric) and 3% (gas) in rates and requires the excess to be separately stated on bills in the city, so we multiply Pacific Power charges by 1.035 and Cascade charges by 1.04 (fixed and per-unit charges alike).
Insurance: the 2023 Oregon statewide average homeowners premium; Bend quotes vary with wildfire risk.
Nothing here is legal, tax or insurance advice.

Sources

How Bend compares

A typical Bend house against the 17 Oregon cities we cover, using the same default numbers as the total above.

Per year	Bend	Median	Where it falls
Property tax rate	1.68%	1.92%	lower than 12 of the other 16 Oregon cities we cover
Water	$663	$624	higher than 9 of the other 16 Oregon cities we cover
Sewer and utility-bill fees	$1,029	$1,123	lower than 11 of the other 16 Oregon cities we cover
Trash	$269	$446	lower than 13 of the other 13 Oregon cities we cover
Electricity and gas	$2,595	$2,873	lower than 14 of the other 16 Oregon cities we cover
Home insurance	$886	$886	in the middle of 16 other Oregon cities we cover
Total	$10,422	$10,422	in the middle of 16 other Oregon cities we cover

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Property tax rate

The fact: Bend's property tax rate is 1.68%, lower than 12 of the other 16 Oregon cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Bend is 1.68%, lower than 12 of the other 16 Oregon cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Trash

The fact: Trash pickup here costs about $269 a year for the standard cart, lower than 13 of the other 13 Oregon cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $269 a year for the standard cart, lower than 13 of the other 13 Oregon cities we cover. What drives that cost, and would you change anything about the service or the price?"

3. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,595 a year, lower than 14 of the other 16 Oregon cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,595 a year for a typical house, lower than 14 of the other 16 Oregon cities we cover. Which parts of that can the city influence, and what would you do about them?"

See who is running in your city →

Common questions about Bend house costs

What is the property tax rate in Bend?

About 1.68% of the value before exemptions a year (2026-27 tax year, Deschutes County code area 1-001 (City of Bend)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Bend?

About $8,421 a year on $500,000 of the value before exemptions.

How much is the water bill in Bend?

About $141 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Bend Water Services.

How much does trash pickup cost in Bend?

$19 to $42 a month, depending on the trash cart size (20-gal mini, 32-35-gal, 64-65-gal, 95-96-gal).

When is property tax due in Bend?

Feb 16, 2027: 2nd trimester property tax payment due May 17, 2027: Final property tax payment due

Can seniors lower their property tax or bills in Bend?

Yes. Seniors 62+ and disabled homeowners: property tax deferral: Homeowners 62 or older, or under 62 and receiving federal Social Security Disability, may qualify (income limit). The State of Oregon pays the property taxes; a lien is placed and interest accrues at 6% a year.

Where can I get help paying utility bills in Bend?

Low-income households: discount on the city utility bill: Low-income single-family homes can get monthly discounts on the water, sewer and stormwater base fees and the transportation fee, applied directly to the Water Services account. Apply through NeighborImpact: 541-604-0256 or bendwater@neighborimpact.org.

How much does a house in Bend cost to run each year?

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