Bend, OR vs Federal Way, WA: Cost of Living

Which city costs less?

Federal Way, WA has a modeled overall cost index 9.7% higher than Bend, OR.

Bend, OR · modeled 2BR rent: $1,850 / month
Federal Way, WA · modeled 2BR rent: $2,255 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

Adjust your income and compare the budget ↓

Tap to swap

Cost of Living Comparison 2026

Compare Bend, OR and Federal Way, WA using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Bend, OR

Numbers update automatically as you type

Estimated extra cost: $711/month in Federal Way, WA

$150,000 in your current city has a modeled equivalent of $158,532 in Federal Way, WA

Regional cost estimates: Bend, OR uses Portland, OR. Federal Way, WA uses Tacoma, WA. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 9.7%

More expensive

Monthly Impact

$711

Extra cost

Annual Impact

$8.5K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Bend, OR

Population:105K

Cost Index:

101.2

100 = national average

Typical Home:$634K

Federal Way, WA

Population:98K

Cost Index:

111.0

100 = national average

Typical Home:$575K

Planning the move to Federal Way?

Organize packing, address changes, and moving-day tasks with a free checklist. Your progress saves in this browser. No account needed.

Plan my move with the free checklist

Bend, OR

The Beaver State

105K

Population

State Tax

Yes

Located in Oregon, this city has a population of 105K residents.

Federal Way, WA

The Evergreen State

98K

Population

State Tax

No Income Tax

Located in Washington, this city has a population of 98K residents.

💡 Advantage: Washington has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Bend, OR vs Federal Way, WA

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Bend, OR	Federal Way, WA	Difference	Change
Transportation	$1,243/mo	$1,731/mo	↑ $487more	39.2%
Housing	$3,058/mo	$2,793/mo	↓ $266less	8.7%
Healthcare	$543/mo	$758/mo	↑ $215more	39.6%
Groceries	$875/mo	$992/mo	↑ $117more	13.4%
Other	$1,391/mo	$1,495/mo	↑ $104more	7.5%
All Utilities	$389/mo	$442/mo	↑ $52.98more	13.6%

Transportation

↑ 39.2%

Bend, OR

$1,243

Federal Way, WA

$1,731

Difference

$487

Housing

↓ 8.7%

Bend, OR

$3,058

Federal Way, WA

$2,793

Difference

$266

less

Healthcare

↑ 39.6%

Bend, OR

$543

Federal Way, WA

$758

Difference

$215

Groceries

↑ 13.4%

Bend, OR

$875

Federal Way, WA

$992

Difference

$117

Other

↑ 7.5%

Bend, OR

$1,391

Federal Way, WA

$1,495

Difference

$104

All Utilities

↑ 13.6%

Bend, OR

$389

Federal Way, WA

$442

Difference

$52.98

🏠Rent Comparison

Studio

From$1,415

To$1,870

↑ $455

1 Bed

From$1,425

To$1,935

↑ $510

2 Bed

From$1,850

To$2,255

↑ $405

3 Bed

From$2,575

To$2,955

↑ $380

Bend, ORZIP-level data

1BR range: $1,380–$1,470/mo

Federal Way, WAZIP-level data

1BR range: $1,880–$1,990/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Bend, OR

$8,211

Monthly in Federal Way, WA

$711

Difference

Home Values

Bend

Federal Way

$634K

Median Value

$575K

↓ -3.3%

YoY Change

↓ -1.6%

↑ +30.9%

5-Year Change

↑ +28.9%

$599K - $668K

Price Range

$549K - $601K

Homes in Federal Way are 9% less expensive than Bend

Calculate payment - Bend Calculate payment - Federal Way

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $15.5K

Per year

Monthly Difference

$1,293

More take-home

Effective Rate Diff

10.3%

Rate difference

Bend, OR

Federal Income Tax

Effective: 18.9%

$25.5K

Oregon State Tax

Effective: 10.3%

$15.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 35.0%

$52.5K

Take-Home Pay

$8,123/month

$97.5K

Federal Way, WA

Federal Income Tax

Effective: 18.9%

$25.5K

Washington State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Bend, OR Tax Rates

Sales Tax:0.0%

Property Tax:0.9%

Federal Way, WA Tax Rates

Sales Tax:9.2%

Property Tax:0.9%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Bend

Federal Way

35 Good

Air Quality

44 Good

85%

Good Air Days

72.4%

98 High

Climate Risk

99 High

🌊🌡🫨

Top Hazards

🌊🌡🫨

▲+2.5°F

2050 Outlook

▲+2.4°F

9 days

Heat Days >95°F

1 days

▲+2.5°F

2050 Outlook

▲+2.4°F

9 days

Heat Days >95°F

1 days

Before moving from Bend, OR to Federal Way, WA

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Federal Way, WA for the same bedroom count and included utilities as your home in Bend, OR. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Bend to Federal Way moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Federal Way, WA by cost, housing, population and region.

Frequently Asked Questions: Bend, OR vs Federal Way, WA

How do the cost estimates for Bend, OR and Federal Way, WA compare?

Federal Way, WA has a modeled overall cost index 9.7% higher than Bend, OR. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Bend, OR, the model estimates $158,532 in Federal Way, WA. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Bend, OR and Federal Way, WA?

The modeled two-bedroom rents are $1,850/month in Bend, OR and $2,255/month in Federal Way, WA. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Oregon and Washington on TaxTakeHome.com