Total monthly cost of ownership
Cost to Own a Home in California, Missouri
A $124,000 home here costs
$1,088per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $637. The real number is $451 higher every month — 71% 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.
California against Moniteau County and Missouri
| Measure | California | Moniteau County |
|---|---|---|
| Median home value | $123,700 | $168,300 |
| Median property tax | $1,102 | $1,205 |
| Effective tax rate | 0.891% | 0.716% |
| Median gross rent | $773 | $766 |
| Population | 4,523 | 15,303 |
The weather behind that power bill
California sits in Moniteau County, which averages a high of 87.8°F in its hottest month and a low of 19.7°F in its coldest, with 43.15" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,315 cooling and 4,943 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Moniteau County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Moniteau County
Full Moniteau County cost breakdown · Every county in Missouri
Common questions
How much does it cost to own a home in California?
A $124,000 home in California, Missouri costs approximately $1,088 per month with 20% down at 6.66%. That is $637 principal and interest, $92 property tax, $65 homeowners insurance, $191 utilities and $103 set aside for maintenance.
What is the property tax rate in California?
California has an effective property tax rate of 0.891%, based on a median home value of $123,700 and median real estate taxes of $1,102. That is higher than the Moniteau County average of 0.716%.
What is the average home price in California?
The median owner-occupied home value in California, Missouri is $123,700, against $168,300 across Moniteau County.
Is it cheaper to rent or buy in California?
Median gross rent in California is $773 a month, against $1,088 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 California — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Missouri.
- 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.