Total monthly cost of ownership
Cost to Own a Home in Dunsmuir, California
A $263,000 home here costs
$2,052per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $88,000 a year.
A standard mortgage calculator would have told you $1,434. The real number is $618 higher every month, 43% more than the payment most buyers budget for.
Compare Siskiyou County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Dunsmuir from a five-year rolling sample, and with about 1,519 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Siskiyou County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Dunsmuir against Siskiyou County and California
| Measure | Dunsmuir | Siskiyou County |
|---|---|---|
| Median home value | $262,800 | $284,500 |
| Median property tax | $1,682 | $1,880 |
| Effective tax rate | 0.640% | 0.661% |
| Median gross rent | $953 | $1,043 |
| Population | 1,519 | 43,834 |
The weather behind that power bill
Dunsmuir sits in Siskiyou County, which averages a high of 93.4°F in its hottest month and a low of 25.9°F in its coldest, with 11.99" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 704 cooling and 5,127 heating degree days, which is what sets the $150 electricity line above.
See the full climate breakdown for Siskiyou County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Siskiyou County
Full Siskiyou County cost breakdown · Every county in California
Talk to someone who works this market
These are Dunsmuir averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Dunsmuir every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Dunsmuir I already own here and may sell
Common questions
How much does it cost to own a home in Dunsmuir?
A $263,000 home in Dunsmuir, California costs approximately $2,052 per month with 20% down at 7.24%. That is $1,434 principal and interest, $140 property tax, $41 homeowners insurance, $218 utilities and $219 set aside for maintenance.
What is the property tax rate in Dunsmuir?
Dunsmuir has an effective property tax rate of 0.640%, based on a median home value of $262,800 and median real estate taxes of $1,682. That is lower than the Siskiyou County average of 0.661%.
What is the average home price in Dunsmuir?
The median owner-occupied home value in Dunsmuir, California is $262,800, against $284,500 across Siskiyou County.
Is it cheaper to rent or buy in Dunsmuir?
Median gross rent in Dunsmuir is $953 a month, against $2,052 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Dunsmuir?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Dunsmuir, California at today's rate takes a household income of roughly $88,000 a year. That covers the full $2,052 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Dunsmuir, 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.