Total monthly cost of ownership
Cost to Own a Home in Cutler, California
A $203,000 home here costs
$1,687per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,044. The real number is $643 higher every month — 62% 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.
Cutler against Tulare County and California
| Measure | Cutler | Tulare County |
|---|---|---|
| Median home value | $203,300 | $303,000 |
| Median property tax | $909 | $2,213 |
| Effective tax rate | 0.447% | 0.730% |
| Median gross rent | $1,235 | $1,206 |
| Population | 4,002 | 475,774 |
The weather behind that power bill
Cutler sits in Tulare County, which averages a high of 96.3°F in its hottest month and a low of 36.0°F in its coldest, with 12.12" of precipitation a year and 53% of it in a single three-month stretch. That climate drives 1,699 cooling and 2,448 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Tulare County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Tulare County
Full Tulare County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Cutler?
A $203,000 home in Cutler, California costs approximately $1,687 per month with 20% down at 6.66%. That is $1,044 principal and interest, $76 property tax, $31 homeowners insurance, $367 utilities and $169 set aside for maintenance.
What is the property tax rate in Cutler?
Cutler has an effective property tax rate of 0.447%, based on a median home value of $203,300 and median real estate taxes of $909. That is lower than the Tulare County average of 0.730%.
What is the average home price in Cutler?
The median owner-occupied home value in Cutler, California is $203,300, against $303,000 across Tulare County.
Is it cheaper to rent or buy in Cutler?
Median gross rent in Cutler is $1,235 a month, against $1,687 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 Cutler — 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.