Total monthly cost of ownership
Cost to Own a Home in Campbell, California
A $1,550,000 home here costs
$10,689per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $7,969. The real number is $2,720 higher every month — 34% 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.
Campbell against Santa Clara County and California
| Measure | Campbell | Santa Clara County |
|---|---|---|
| Median home value | $1,550,000 | $1,382,800 |
| Median property tax | $9,864 | $9,766 |
| Effective tax rate | 0.636% | 0.706% |
| Median gross rent | $2,751 | $2,814 |
| Population | 42,848 | 1,903,297 |
The weather behind that power bill
Campbell sits in Santa Clara County, which averages a high of 81.4°F in its hottest month and a low of 41.7°F in its coldest, with 13.48" of precipitation a year and 58% of it in a single three-month stretch. That climate drives 624 cooling and 2,184 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Santa Clara County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Santa Clara County
Full Santa Clara County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Campbell?
A $1,550,000 home in Campbell, California costs approximately $10,689 per month with 20% down at 6.66%. That is $7,969 principal and interest, $822 property tax, $240 homeowners insurance, $367 utilities and $1,292 set aside for maintenance.
What is the property tax rate in Campbell?
Campbell has an effective property tax rate of 0.636%, based on a median home value of $1,550,000 and median real estate taxes of $9,864. That is lower than the Santa Clara County average of 0.706%.
What is the average home price in Campbell?
The median owner-occupied home value in Campbell, California is $1,550,000, against $1,382,800 across Santa Clara County.
Is it cheaper to rent or buy in Campbell?
Median gross rent in Campbell is $2,751 a month, against $10,689 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 Campbell — 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.