Can I Build Second Story Addition in Bend, OR? (2026)

Can I build an ADU on my Bend property?

Yes. Oregon HB 2001 (2019) requires Bend to allow ADUs by-right on all residential lots. ADUs can be up to 800 sqft (smaller than California's 1,200 sqft maximum). No owner-occupancy is required. However, Bend's System Development Charges (SDCs) for water, sewer, transportation, and parks typically add $8,000–$20,000 to ADU costs — budget for these in addition to permit fees. Contact Bend Community Development at (541) 388-5580 or apply online.

How does Bend's cold climate affect ADU construction?

Bend has significant climate requirements for habitable construction. Average January lows reach 24°F with periodic extreme cold events (-10°F or lower). New ADUs require: minimum R-49 ceiling insulation, R-21 wall insulation, double-pane low-E windows, and freeze-protected plumbing (pipe insulation + heat tape in unconditioned spaces). Heating is the dominant energy cost — a high-efficiency heat pump or natural gas forced-air system is standard. Budget for proper insulation and heating system upfront — inadequate winterization of an ADU leads to frozen pipes and expensive emergency repairs.

What are Bend's System Development Charges (SDCs) and how do they affect ADU affordability?

Bend's SDCs are one-time fees charged to new development for infrastructure capacity. For a new detached ADU, typical SDCs include: Water SDC ($3,000–$6,000), Sewer SDC ($2,000–$5,000), Transportation SDC ($2,000–$4,000), and Parks SDC ($1,000–$2,500). Total SDCs for a detached ADU are often $8,000–$17,500 — this is separate from permit fees. SDC deferrals are available for income-restricted affordable housing ADUs. The Bend City Council has discussed SDC reform for ADUs to reduce housing costs — check current SDC schedules at bendoregon.gov/building/fee-schedule before budgeting.

Is my Bend property in a Wildfire Urban Interface (WUI) zone?

Approximately 30% of Bend's residential area is in the Wildfire Urban Interface (WUI), particularly on the city's east side transitioning to high desert, and in forested neighborhoods abutting natural areas. WUI designation requires fire-resistant construction materials for new buildings and ADUs: Class A fire-rated roofing, ember-resistant vents, ignition-resistant siding, and defensible space clearance (30 feet minimum around structures). Use the Oregon WUI maps at oregon.gov/odf to check your parcel, or call Bend Fire at (541) 322-6300.

What are the short-term rental rules for Airbnb in Bend?

Bend requires a Short-Term Rental License ($150/year) for all rentals of fewer than 30 consecutive days. Both hosted and unhosted (whole-home) STRs are permitted with a license. Maximum occupancy is 2 guests per bedroom plus 2 additional. Bend collects a combined 12.2% transient lodging tax (state + city). Airbnb and VRBO collect and remit taxes automatically. Bend's outdoor recreation culture drives strong STR demand year-round — ski season (November-March), spring biking/hiking (April-May), summer rafting/festivals (June-September), and fall foliage (October) all create STR demand.

How does Bend's electricity utility (Pacific Power) differ from Portland's?

Bend is served by Pacific Power (PacificCorp) for electricity — different from Portland General Electric (PGE) which serves Portland. Both are PacificCorp subsidiaries but have separate service territories and program offerings. Pacific Power's solar net metering program for Bend customers is governed by Oregon's net metering standard (ORS 757.300). Contact Pacific Power's renewable energy team at (800) 221-7070 for current solar interconnection rates and net metering terms before installing a solar system in Bend.