$40K in Bend = $38,214 in Eugene

Your $40K salary in Bend (COL 112) has the same purchasing power as $38,214 in Eugene (COL 107). Eugene is cheaper — your money goes 4% further there.

$40K in Bend, OR
$2,398/mo take-home
Rent: $1,900/mo (79% of take-home)
Difficult
$38,214/yr in Eugene, OR
$2,291/mo take-home
Rent: $1,650/mo (72% of take-home)
Difficult

Budget breakdown — $40K in both cities

What $40K actually buys you in each city after taxes and core expenses.

Expense
Bend
$40K
Eugene
$40K (same salary)
Monthly take-home$2,398$2,398
1BR rent$1,900$1,650
Groceries$399$395
Transport$65$82
Utilities$125$128
Internet$68$65
Left after essentials-$159/month$78/month
To match your Bend purchasing power in Eugene, you'd need to earn $38,214/year (4% less than $40K). At that salary, you'd have $-29/mo left after essentials — vs $-159/mo in Bend.

Frequently asked questions

What is $40K in Bend equivalent to in Eugene?

$40K in Bend (COL index 112) has the same purchasing power as $38,214 in Eugene (COL index 107). That's 4% less than your current salary.

If I move from Bend to Eugene keeping my $40K salary, will I be better off?

Yes. If you keep earning $40K after moving to Eugene, you'd have $237 more per month after core expenses — because Eugene is cheaper than Bend.

How is the salary equivalent calculated?

The equivalent salary is calculated by multiplying your current salary by the ratio of the two cities' overall cost of living indices: $40K × (107 ÷ 112) = $38,214. This adjusts for differences in housing, food, transport, and general cost of living.

Other salary amounts — Bend to Eugene

$50K → $47,768$60K → $57,321$75K → $71,652$80K → $76,429$100K → $95,536$120K → $114,643$150K → $143,304
$40K in Eugene → BendMoving from Bend to EugeneBend vs Eugene — full comparisonCan I afford Bend vs Eugene on $40K?

Equivalency uses overall COL index ratio. Take-home uses simplified federal/state brackets. Zillow · BLS · Numbeo · Q1 2026 · For general guidance only