Eugene wins overall by ~5% (COL index)
Cost of living: Bend vs Eugene (2026)
A $63,000 salary in Bend buys roughly what $60,188 does in Eugene (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
−$3,460/yr
Favoring Eugene for this income & household (illustrative).
With the extra $288/mo, you could pay down a $15,000 card balance in ~53 months and still keep ~$35/mo for dining out.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Bend Oregon | Eugene Oregon | Who wins | Your impact at $63K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $1,500 | $1,300Wins | Eugene wins −$200/mo | $2,400/yr saves in Eugene |
| 1BR rent/mo | $1,900 | $1,650Wins | Eugene wins −$250/mo | $3,000/yr saves in Eugene |
| 2BR rent/mo | $2,500 | $2,200Wins | Eugene wins −$300/mo | $3,600/yr saves in Eugene |
| Median home price | $580K | $430KWins | Eugene wins −$150K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 105 | 104Better | Eugene wins -1 | — |
| Budget meal (1 person) | $15Better | $15 | — | — |
| Mid-range dinner (2) | $62 | $60Better | Eugene wins −$2/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $65Wins | $82 | Bend wins +$17/mo | — |
| Gas price/gal | $3.85Better | $3.85 | — | — |
| Car insurance/mo | $142Better | $148 | Bend wins +$6/mo | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $125Better | $128 | Bend wins +$3/mo | — |
| Internet/mo | $68 | $65Better | Eugene wins −$3/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $68KWins | $58K | Bend wins −$10K more/yr | — |
| State income tax% | 9.9%Better | 9.9% | — | — |
| Sales tax (combined)% | 0.0%Better | 0.0% | — | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $16.00 | $15.00Better | Eugene wins −$1.00 | — |
| Gym membership/mo | $48 | $45Better | Eugene wins −$3/mo | — |
| Beer at restaurant | $7.00 | $6.50Better | Eugene wins −$0.50 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 112 | 107Better | Eugene wins -5 | — |
| Walk score / 100 | 38 | 50Wins | Eugene wins +12 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Maximize everyday spend in your new city
Eugene fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Eugene.
High-yield savings
Park ~$3,000/yr rent savings at 4–5%+ APY
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
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Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
Open full interactive toolComplete the Picture
While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
If you're saving big
Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is Bend cheaper than Eugene?
No. Eugene is 5% cheaper than Bend based on overall cost of living indices (107 vs 112, where 100 = US average).
What is the average rent in Bend vs Eugene?
As of Q1 2026, the median 1-bedroom rent in Bend is $1,900/month and in Eugene is $1,650/month. Bend is more expensive by 15%.
How much do I need to earn in Eugene to match a $75,000 salary in Bend?
To maintain a similar lifestyle, you would need approximately $71,652/year in Eugene to match a $75,000 salary in Bend. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Bend or Eugene?
Eugene has the lower state income tax rate at 9.9% vs 9.9%. The difference is 0.0 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Bend to Eugene?
It depends on your priorities. Eugene offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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Salary equivalent: Bend ↔ Eugene
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