Total monthly cost of ownership
Cost to Own a Home in American Canyon, California
A $660,000 home here costs
$4,861per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,393. The real number is $1,468 higher every month — 43% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
American Canyon against Napa County and California
| Measure | American Canyon | Napa County |
|---|---|---|
| Median home value | $660,100 | $838,800 |
| Median property tax | $5,388 | $5,840 |
| Effective tax rate | 0.816% | 0.696% |
| Median gross rent | $2,399 | $2,141 |
| Population | 21,698 | 136,070 |
The weather behind that power bill
American Canyon sits in Napa County, which averages a high of 84.6°F in its hottest month and a low of 38.8°F in its coldest, with 39.71" of precipitation a year and 60% of it in a single three-month stretch. That climate drives 604 cooling and 3,375 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Napa County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Napa County
Full Napa County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in American Canyon?
A $660,000 home in American Canyon, California costs approximately $4,861 per month with 20% down at 6.66%. That is $3,393 principal and interest, $449 property tax, $102 homeowners insurance, $367 utilities and $550 set aside for maintenance.
What is the property tax rate in American Canyon?
American Canyon has an effective property tax rate of 0.816%, based on a median home value of $660,100 and median real estate taxes of $5,388. That is higher than the Napa County average of 0.696%.
What is the average home price in American Canyon?
The median owner-occupied home value in American Canyon, California is $660,100, against $838,800 across Napa County.
Is it cheaper to rent or buy in American Canyon?
Median gross rent in American Canyon is $2,399 a month, against $4,861 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for American Canyon — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for California.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.