Rental Rules by City / Free checklist / Bend

Is my Bend rental legal? Checklist

Deschutes County, Oregon · Based on our Bend page, last verified Oct 24, 2026 · Print

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📋 The Basics

Can I rent my place short-term here?: Only in some areas
Do I need a permit?: Yes. You need an STR permit plus an annual operating license.
What taxes do I pay?: Total about 10.4%. Check your Airbnb payout report to see which ones Airbnb collects; you pay the rest yourself.

Your 3 steps to be legal

Check the zone and concentration limits.
Apply for the permit, then the license.
Register for room tax and file monthly.

⚠️ Biggest risk: Concentration limits can block new whole-house permits.

Words confusing? See the glossary. Details and official sources are below.

This is the general rule for Bend. Does your address qualify?

The free info covers the city as a whole. Your property can still be different: zoning can change from one street to the next, and an HOA or condo ban can stop rentals even where the city allows them.

Your $49 Compliance Check looks at your exact property:

Whether your exact address and zone allow short-term rentals
A check of HOA / condo rental restrictions to look for
Which permits and tax accounts you personally need
What you're missing right now
A personal report with clear next steps and official sources, by email
A refund if we report a rule in error (refund policy)

🔎 How we check: official city, county and state sources, a last-verified date on every page, and nothing guessed. Learn more

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Permit / license / registration

Permit + license: An STR permit (land use) plus an annual operating license is required for each unit.
Types: Whole-house unlimited, owner-occupied (up to 2 rooms), or infrequent use (max 29 days and 4 rental periods a year).
Concentration: In residential zones, new whole-house permits face spacing/concentration limits and only one STR per property with multiple units.
Renewal: Must show at least one night of use per year (room tax filings count). Report room tax monthly by the 15th; late after the 24th.

Zoning, where allowed & definitions

Not listed on our page: Verify with the city/county before renting.

Night limits, minimum stays & occupancy

Not listed on our page: Verify with the city/county before renting.

Fees, penalties & pending changes

Not listed on our page: Verify with the city/county before renting.

Taxes & who collects them

Register / account for City of Bend room tax (10.4%)
What Airbnb collects: Bend accepts intermediary-remitted room tax, but you must still file reports. Verify what Airbnb collects.
Vrbo and direct bookings: check which taxes Vrbo collects in your area; for direct bookings you collect and remit all of them yourself.

Total rate: 10.4%. 10.4% City room tax. Oregon state 1.5% lodging tax not included: verify. Calculate.

HOA / condo check

Read your declaration, bylaws and rules for rental bans, minimum terms, caps and approval requirements.
Get any association sign-off or approval letter your city or association requires.
See our HOA & condo guide.

Insurance

Confirm your homeowner/condo policy covers short-term rental use, or add a short-term rental policy. Platform host protection is not a substitute for insurance.
Ask your association whether it requires specific liability coverage.

Deadlines

Renew city/county permits or registrations on their schedule (often annually): confirm the date with the office that issued it.
File state and local lodging tax returns on the schedule your tax office assigns.

Official sources

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Not legal or tax advice. Last verified Oct 24, 2026. Rules and rates change: confirm with the official sources linked before you rent or file.