ZIP Code 97702 — Bend city, OR Demographics & Data

ZIP code 97702 covers Bend, OR in Deschutes County with a population of about 53,114.

At a glance, the area shows median age of 42.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 458, 541; U.S. House district OR-2; the BEND, OR media market.

Median household income in ZIP 97702 is about $89,094 — about 19% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.4%; unemployment rate near 4.0%; 46.5% of adults with a bachelor’s degree or higher (about 12.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Professional services; about 21.7% of workers reporting work-from-home (about 6.5 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $620,600 — about 78% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,662 (about 43% above the U.S. median rent ($1,163)), and owner-occupancy near 72.0% (about 6.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 97702 in Bend, OR, a household would need roughly $171,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,987. That is about 92% above the local median household income ($89,094), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Bend city, OR as Relatively Moderate (composite score 84.9), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (97.8) and flood (88.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Bend city, OR show little to no average snow and around 10.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,696 for ZIP 97702 (Bend city, OR) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.