Total monthly cost of ownership
Cost to Own a Home in Bertsch-Oceanview, California
A $208,000 home here costs
$1,811per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,069. The real number is $742 higher every month — 69% 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.
Bertsch-Oceanview against Del Norte County and California
| Measure | Bertsch-Oceanview | Del Norte County |
|---|---|---|
| Median home value | $208,300 | $319,600 |
| Median property tax | $2,034 | $1,872 |
| Effective tax rate | 0.976% | 0.586% |
| Median gross rent | $1,696 | $1,182 |
| Population | 2,197 | 27,293 |
The weather behind that power bill
Bertsch-Oceanview sits in Del Norte County, which averages a high of 64.5°F in its hottest month and a low of 41.4°F in its coldest, with 57.98" of precipitation a year and 49% of it in a single three-month stretch. That climate drives 4 cooling and 4,423 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Del Norte County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Del Norte County
Full Del Norte County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Bertsch-Oceanview?
A $208,000 home in Bertsch-Oceanview, California costs approximately $1,811 per month with 20% down at 6.66%. That is $1,069 principal and interest, $169 property tax, $32 homeowners insurance, $367 utilities and $173 set aside for maintenance.
What is the property tax rate in Bertsch-Oceanview?
Bertsch-Oceanview has an effective property tax rate of 0.976%, based on a median home value of $208,300 and median real estate taxes of $2,034. That is higher than the Del Norte County average of 0.586%.
What is the average home price in Bertsch-Oceanview?
The median owner-occupied home value in Bertsch-Oceanview, California is $208,300, against $319,600 across Del Norte County.
Is it cheaper to rent or buy in Bertsch-Oceanview?
Median gross rent in Bertsch-Oceanview is $1,696 a month, against $1,811 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 Bertsch-Oceanview — 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.