Deschutes County, OR Property Tax Calculator

The effective property tax rate in Deschutes County is 0.58% — calculated as the median annual property tax paid ($3,807) divided by the median home value ($650,900), using 2024 US Census ACS 5-year estimates. Your actual bill depends on your purchase price, homestead or senior exemptions, and any special assessments applied in your taxing district.

Oregon's combined real estate transfer tax is approximately 0.10% of the purchase price. On the median Deschutes County home value of $650,900, this adds roughly $651 at closing. ORS 306.815 prohibits new local transfer taxes after March 31, 1997. Washington County is the sole grandfathered jurisdiction with a 0.1% transfer tax ($1/$1,000), split 50/50 buyer/seller by custom. All other Oregon counties and cities: zero. Rates shown apply only to Washington County; statewide default is zero.

Flood risk is relatively low. Only 2.3% of Deschutes County's land falls within a FEMA Special Flood Hazard Area. Flood insurance is not typically required, though individual properties near waterways may still be in a zone — verify at msc.fema.gov.

Closing costs for a buyer in Deschutes County typically run $13,018–$32,545 (2–5% of purchase price) on a median-priced home, including title insurance ($800–$2,000), appraisal ($400–$700), home inspection ($350–$600), recording fees ($100–$300), and loan origination (0.5–1.0% of the loan amount). Use the calculator above for a specific estimate at your purchase price.