CALCMONEY // MORTGAGE // OR // BEND // 97702
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 97702 in Bend, OR.
$890,000
$712,000
$5,607
$240,316/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $890,000 | $801,000 | $5,249 | $6,191 | 6.85% |
| 20% Down | $890,000 | $712,000 | $4,665 | $5,607 | 6.85% |
| 25% Down | $890,000 | $667,500 | $4,374 | $5,316 | 6.85% |
Total monthly includes principal & interest, property tax (0.87% annual), and estimated homeowners insurance. PMI not included.
Bend West (ZIP 97702) sits within Bend, Oregon with a median home price of $890,000 — significantly above the Bend city-wide median of $550,000. At 80% LTV, the typical loan of $712,000 remains within conforming loan limits, keeping conventional financing accessible.
Property taxes in ZIP 97702 run 0.87% annually, adding $645 per month on the median home. Median household income in this neighborhood is approximately $90,000, placing the price-to-income ratio at 9.9x. Oregon levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.