When buyers start looking at homes in Bend, the conversation usually begins with the purchase price, down payment, interest rate, and monthly mortgage payment.
Those numbers are important, but they don't tell the whole story.
After 20 years in Bend real estate, one thing I've learned is that being comfortable with your mortgage payment isn't necessarily the same as being comfortable with the total cost of owning a home.
That's especially true here in Central Oregon, where expenses can look very different depending on whether you're buying a newer home in town, an older property on a larger lot, or acreage outside Bend.
I've always believed buyers should understand the full picture before making one of the biggest financial decisions of their lives.
Here are some of the expenses I encourage buyers to consider before purchasing a home in Bend.
Acreage properties around Bend still get attention.
Space, privacy, flexibility—it's what a lot of buyers are looking for.
But selling acreage right now isn't the same as selling a home in town.
And it's definitely not the same market we saw a few years ago.
The sellers who are getting strong results today aren't guessing—
they're approaching it with clarity.
Here's what matters most right now.
This is one of the biggest mistakes I see.
Sellers try to price based on:
Acreage properties around Bend have a strong pull.
More space. More privacy. Room for shops, animals, or just a quieter lifestyle.
And for a lot of buyers — especially those relocating — it feels like the upgrade they've been working toward.
But acreage purchases are also where I see some of the most expensive mistakes happen.
Not because buyers aren't smart…
But because there are details that don't show up in photos — or even in a typical home tour.
Here are a few things I consistently help buyers slow down and really understand before moving forward.