Total monthly cost of ownership
Cost to Own a Home in Cottonwood CDP (Shasta County), California
A $363,000 home here costs
$2,789per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,866. The real number is $923 higher every month — 49% 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.
Cottonwood CDP (Shasta County) against Shasta County and California
| Measure | Cottonwood CDP (Shasta County) | Shasta County |
|---|---|---|
| Median home value | $362,800 | $347,200 |
| Median property tax | $2,361 | $2,442 |
| Effective tax rate | 0.651% | 0.703% |
| Median gross rent | $1,219 | $1,267 |
| Population | 7,170 | 181,554 |
The weather behind that power bill
Cottonwood CDP (Shasta County) 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 Cottonwood CDP (Shasta County)?
A $363,000 home in Cottonwood CDP (Shasta County), California costs approximately $2,789 per month with 20% down at 6.66%. That is $1,866 principal and interest, $197 property tax, $56 homeowners insurance, $367 utilities and $303 set aside for maintenance.
What is the property tax rate in Cottonwood CDP (Shasta County)?
Cottonwood CDP (Shasta County) has an effective property tax rate of 0.651%, based on a median home value of $362,800 and median real estate taxes of $2,361. That is lower than the Shasta County average of 0.703%.
What is the average home price in Cottonwood CDP (Shasta County)?
The median owner-occupied home value in Cottonwood CDP (Shasta County), California is $362,800, against $347,200 across Shasta County.
Is it cheaper to rent or buy in Cottonwood CDP (Shasta County)?
Median gross rent in Cottonwood CDP (Shasta County) is $1,219 a month, against $2,789 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 Cottonwood CDP (Shasta County) — 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.