Retirement Lists

Cost of Living in Redmond, Oregon

Business Highway 97 in Redmond, Oregon, a city in Deschutes County with a population of about 25,000
Photo by Doug Kerr via Wikimedia Commons, CC BY-SA 2.0

Redmond cost of living

A growing Central Oregon city carries housing, utility, vehicle, water, and smoke-planning costs

The catalog estimates $3,946 per month for a local lifestyle, $5,455 for a couple, and $5,585 for a traveler. It lists one-bedroom rent at $1,547, two bedrooms at $1,570, groceries at $594, utilities at $259, transportation at $1,289, and healthcare at $516. Census QuickFacts lists a $462,500 median owner value, $1,628 median gross rent, and 64.5 percent owner occupancy. These are comparison references, not a complete household budget.

The City of Redmond lists a single-family water charge of $19.41 per month plus $1.57 per 100 cubic feet, sewer at $37.03, and stormwater at $9.03, for a $65.47 base before water use. Garbage is billed separately and mandatory inside the city. Oregon has no general sales tax and does not tax Social Security benefits, while other taxable retirement income may be taxed. Add heating, cooling, insurance, wildfire smoke, water, repairs, vehicle, care, and the exact lease or purchase terms.

Planning a monthly budget

Start with rent or ownership, then add water, sewer, stormwater, garbage, utilities, food, medicine, vehicle, insurance, smoke, care, and one regular outdoor interest.

Housing
$1,547
Utilities (in rent)
$259
Food
$594/mo
Transportation
$1,289/mo
Healthcare
$516

Utilities are included in housing so they are not added twice. The separate Utilities row is a reference estimate.

Illustrative Redmond cost moment one: Put city utilities beside the home

A retiree places rent or mortgage beside water, sewer, stormwater, garbage, heating, cooling, insurance, fuel, food, and care. The home works only when city charges and seasonal comfort are visible.

How the total can change

A Redmond month changes with water use, cooling, heating, smoke filtration, drought, a Bend care trip, airport travel, vehicle work, or a Smith Rock outing. Keep each irregular cost visible.

Comfortable Living
$5,585

Moderate

Cost of Living for Couple
$5,455

Moderate

Typical 1BR Rent
$1,547

Very Good

Price the Bend and airport month

A household includes a Bend appointment, parking, fuel, a Roberts Field trip, a family visit, and one outdoor outing. The car line becomes real when the destinations are written down.

Everyday expenses

Gross rent, utilities, water, sewer, stormwater, garbage, groceries, fuel, internet, medicine, insurance, and maintenance need separate dates and receipts.

Dining Out
$233/mo

Excellent

Need for a Car
Required
Property Taxes
Low

Good

Overall Feel
Moderate
Residents 65+ Below Poverty Level
5.5%
65+ Householder — Renter Occupied
28.1%
65+ Households With High Housing Costs
37.7%
Median Household Income, Householder 65+
$52,120

Illustrative Redmond cost moment two: Keep smoke and drought reserves separate

A household holds money for filters, cooling, water, roof, fire insurance, power, drought, and temporary lodging apart from food and medicine. The reserve protects the everyday month when conditions change.

Could Redmond fit your monthly retirement budget?

Compare your monthly budget with a city estimate. Add your expected housing amount when you have a more useful number.

Housing

Enter your expected rent and required housing charges, or leave this blank to use the current renter amount.

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Starting renter estimates

Use these broad monthly estimates as a starting point, then replace them with costs you know.

One person
$3,946 per month
Two people
$5,455 per month

One-person estimate breakdown

Housing
$1,547
Food
$594
Transportation
$1,289
Healthcare
$516

Taxes, debt, insurance, out-of-pocket care, travel, and one-time moving costs may not be included.

Redmond in everyday life

Could Redmond work for you?

What may work well

  • Census and city utility sources provide local housing and monthly service references.
  • Oregon tax treatment can simplify sales-tax and Social Security questions for some retirees.
  • A growing city has local hospital, library, airport, parks, transit, and outdoor anchors.

What to think about

  • Housing pressure and car use are important despite the catalog's Low property-tax label.
  • Water, sewer, stormwater, garbage, heating, cooling, smoke, drought, and wildfire insurance add separate lines.
  • Bend referrals, airport, family, and regional recreation can make the vehicle month expensive.

Price a Redmond household from the home and hazard plan outward

  1. Compare housing papers

    Keep rent or mortgage, taxes, insurance, water, sewer, stormwater, garbage, utilities, repairs, smoke, wildfire, drainage, and accessibility visible.

  2. Count the vehicle month

    Add fuel, insurance, maintenance, parking, Bend, Roberts Field, family, Smith Rock, larger shopping, winter, and transit backup.

  3. Price an irregular season

    Add cooling, smoke filters, drought or water use, a care trip, vehicle repair, outdoor permit, visitor, and temporary lodging reserve.

Questions retirees ask

How much does it cost to retire in Redmond?

The catalog estimates $3,946 for a local lifestyle and $5,455 for a couple. It lists one-bedroom rent of $1,547, groceries of $594, utilities of $259, transportation of $1,289, and healthcare of $516. Confirm the home, utilities, vehicle, care, insurance, smoke, and water costs.

What Redmond utility charges should I price?

The city lists a $65.47 base for single-family water, sewer, and stormwater before water consumption, with garbage billed separately and mandatory inside the city. Confirm the property account and current schedule.

Does Oregon have sales tax?

Oregon has no general sales tax and does not tax Social Security benefits. Other taxable retirement income may still be taxed, so confirm the household's income treatment.

Why is transportation such a large issue?

The catalog marks car use Required. Bend care, Roberts Field, family, Smith Rock, larger shopping, winter, smoke, and regional routes make vehicle cost and condition important.

What makes a Redmond budget credible?

The home, city utilities, water, vehicle, smoke, drought, insurance, care, food, repairs, and desired outdoor and library life should fit together without hiding seasonal costs.

Redmond cost may feel workable when the home, utilities, vehicle, smoke and drought reserve, care, and outdoor routes fit the desired month. Start with the current city charges and actual address rather than a generic high-desert label.

Sources

The budget value gives a starting point for everyday spending. Housing, healthcare, safety, and climate can change what feels comfortable for a household.

Housing mix, exchange rates, healthcare needs, car ownership, and travel style can move a real monthly budget materially.

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