Total monthly cost of ownership
Cost to Own a Home in Bella Vista, California
A $440,000 home here costs
$3,351per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,262. The real number is $1,089 higher every month — 48% 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.
Bella Vista against Shasta County and California
| Measure | Bella Vista | Shasta County |
|---|---|---|
| Median home value | $439,600 | $347,200 |
| Median property tax | $3,446 | $2,442 |
| Effective tax rate | 0.784% | 0.703% |
| Median gross rent | $862 | $1,267 |
| Population | 3,843 | 181,554 |
The weather behind that power bill
Bella Vista sits in Shasta County, which averages a high of 99.9°F in its hottest month and a low of 37.2°F in its coldest, with 33.52" of precipitation a year and 53% of it in a single three-month stretch. That climate drives 2,032 cooling and 2,576 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Shasta County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Shasta County
Full Shasta County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Bella Vista?
A $440,000 home in Bella Vista, California costs approximately $3,351 per month with 20% down at 6.66%. That is $2,262 principal and interest, $287 property tax, $68 homeowners insurance, $367 utilities and $367 set aside for maintenance.
What is the property tax rate in Bella Vista?
Bella Vista has an effective property tax rate of 0.784%, based on a median home value of $439,600 and median real estate taxes of $3,446. That is higher than the Shasta County average of 0.703%.
What is the average home price in Bella Vista?
The median owner-occupied home value in Bella Vista, California is $439,600, against $347,200 across Shasta County.
Is it cheaper to rent or buy in Bella Vista?
Median gross rent in Bella Vista is $862 a month, against $3,351 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 Bella Vista — 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.