Oregon · Census, HUD and BEA figures · Updated

Cost of Living in Deschutes County, OR

Prices around Deschutes County, OR run 3.6% above the U.S. average (BEA, the metro area). The typical household there earns $92,758 a year, and HUD puts a two-bedroom at $1,784 a month. Keeping that rent under 30% of income takes about $71,360 a year.

Deschutes County, OR at a glance

Median household income

$92,758$7,730 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,784HUD FY2026 Fair Market Rent
Price level (U.S. = 100)103.6+3.6% · BEA, the metro area
Electricity16.3¢per kWh · EIA Residential OR
Population206,334Census ACS 5-year estimate

How much rent can you afford in Deschutes County, OR?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$1,784Monthly market rent
Share of gross income23.1%Recommended max: 30%
Annual income needed$71,360To meet the 30% standard
Max affordable rent$2,319At 30% of $92,758
0%30% (Affordability standard)100%
Compare against:

How much is rent in Deschutes County, OR? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Bend-Redmond, OR HUD Metro FMR Area, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Deschutes County, OR, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$1,362$16,344$54,48017.6%
1-Bedroom Apartment$1,371$16,452$54,84017.7%
2-Bedroom ApartmentBenchmark$1,784$21,408$71,36023.1%
3-Bedroom Home$2,481$29,772$99,24032.1%
4-Bedroom Home$2,993$35,916$119,72038.7%

Rent in Deschutes County, OR, with the wage each unit needs →

What a typical income covers in Deschutes County, OR

The 50/30/20 rule applied to the local median of $92,758 a year ($7,730 a month before tax).

Needs (50%)$3,865/moRent ($1,784 2-BR), utilities (~$147/mo), groceries, transit
Wants (30%)$2,319/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,546/moEmergency fund, retirement, paying down loans

What $92,758 leaves after Oregon taxes

Federal income tax, Social Security, Medicare and Oregon tax on the local median income. Change the salary to see yours.

$92,758
$35,000$190,000
Filing status:
Gross salary breakdown$92,758
Net 73%
Fed 12%
OR 7%
FICA 8%
Annual take-home$67,527After all taxes
Monthly deposit$5,627Estimated per month
Biweekly paycheck$2,597Every 2 weeks (26/yr)
Effective tax rate27.2%Total tax burden
Federal income tax$11,577 / yr
Oregon state income tax$6,559 / yr
FICA (Social Security & Medicare)$7,096 / yr

Living in Deschutes County, OR: common questions

What is the median household income in Deschutes County, OR?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Deschutes County, OR is $92,758 per year (approximately $7,730 per month).

What is the average rent in Deschutes County, OR?

The closest official figure is HUD's Fair Market Rent for 2026: $1,362 for a studio, $1,371 for one bedroom, $1,784 for two, $2,481 for three and $2,993 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is Deschutes County, OR expensive to live in?

Prices there run 3.6% above the U.S. average. BEA's regional price parity for the metro area is 103.6, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in Deschutes County, OR?

To keep a $1,784 two-bedroom under 30% of gross income, a household needs about $71,360 a year, or $5,947 a month. That is 77% of what the typical household in Deschutes County, OR earns.

How much do you need to live comfortably in Deschutes County, OR?

On the local median income of $92,758 ($7,730 a month before tax), the 50/30/20 rule leaves $3,865 a month for needs like rent, utilities and groceries, $2,319 for everything else and $1,546 for savings or debt. A two-bedroom at $1,784 takes 46% of the needs share.

How much is the electric bill in Deschutes County, OR?

Homes in Oregon paid 16.3¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $147. Your bill depends mostly on heating and cooling.