Not financial advice. Mortgage FV Calculator is a software calculator, not a personal-finance product or advisory service. It computes standard financial functions and displays the results for your convenience. Nothing here constitutes, or is intended to constitute, financial, investment, tax, legal, mortgage, credit, or insurance advice. Always consult a qualified professional before making any financial decision.
Bend mortgage calculator
A median-priced Bend, OR home at 6.75% over 30 years, with Oregon property tax of 0.93% and $1,100 a year of homeowners insurance. Every figure below is computed on our amortising engine — nothing is estimated in the browser.
$5,360 a month, all in
Principal and interest are $4,378; escrow and PMI add the rest. Over the full term the loan costs $901,093 in interest. Discounted at 5%, buying here has a net present value of $-129,952 ($244,906 in today’s dollars).
Within Oregon, Bend is the most expensive of the 4 Oregon markets covered here. Prices here run 1.76x those in Salem, the cheapest market listed, so a statewide average badly understates what a purchase costs on this side of the state.
Bend carries a premium over the rest of Oregon: a median home here runs $750,000, about 50% above the state median of $500,000. The deposit moves with it, so the same 20% down is $150,000 rather than $100,000.
The price-to-rent ratio here is 26.3 ($750,000 to buy, $2,375 a month to rent), which is high. Renting and investing the deposit is a genuine alternative in Bend, not a fallback position.
Monthly cost in Bend vs comparable rent
Owning is stacked by component; renting is the local median asking rent.
The monthly breakdown
| Median home price | $750,000 |
|---|---|
| Down payment (10%) | $75,000 |
| Loan amount | $675,000 |
| Principal & interest | $4,378/mo |
| Property tax (0.93%) | $581/mo |
| Homeowners insurance | $92/mo |
| PMI while above 80% LTV | $309/mo |
| Total monthly payment | $5,360/mo |
| Comparable rent | $2,375/mo |
What a rate move does to the Bend payment
| Rate | Principal & interest |
|---|---|
| 5.5% | $3,833/mo |
| 6% | $4,047/mo |
| 6.5% | $4,266/mo |
| 7% | $4,491/mo |
| 7.5% | $4,720/mo |
| 8% | $4,953/mo |
Rent or buy in Bend?
Against $2,375 a month in rent, over 7 years renting leaves you about $219,237 better off — $184,437 once 2.5% inflation is stripped out. See the Oregon rent-vs-buy page.
Where these numbers come from
Oregon medians come from editorial and are refreshed weekly. The Bend figures index those state medians to the local market, so they track the same feed rather than going stale. Insurance and the state income tax rate are editorial. Treat everything here as a planning estimate, not a quote.