Total monthly cost of ownership
Cost to Own a Home in El Macero, California
A $1,307,000 home here costs
$9,602per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $411,500 a year.
A standard mortgage calculator would have told you $7,240. The real number is $2,362 higher every month, 33% more than the payment most buyers budget for.
Compare Yolo County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for El Macero from a five-year rolling sample, and with about 1,045 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 Yolo 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.
El Macero against Yolo County and California
| Measure | El Macero | Yolo County |
|---|---|---|
| Median home value | $1,307,200 | $593,800 |
| Median property tax | $10,001 | $4,567 |
| Effective tax rate | 0.765% | 0.769% |
| Median gross rent | — | $1,757 |
| Population | 1,045 | 217,782 |
The weather behind that power bill
El Macero sits in Yolo County, which averages a high of 94.9°F in its hottest month and a low of 37.5°F in its coldest, with 20.5" of precipitation a year and 61% of it in a single three-month stretch. That climate drives 1,416 cooling and 2,432 heating degree days, which is what sets the $169 electricity line above.
See the full climate breakdown for Yolo County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Yolo County
Full Yolo County cost breakdown · Every county in California
Talk to someone who works this market
These are El Macero 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 El Macero every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in El Macero I already own here and may sell
Common questions
How much does it cost to own a home in El Macero?
A $1,307,000 home in El Macero, California costs approximately $9,602 per month with 20% down at 7.4%. That is $7,240 principal and interest, $833 property tax, $203 homeowners insurance, $237 utilities and $1,089 set aside for maintenance.
What is the property tax rate in El Macero?
El Macero has an effective property tax rate of 0.765%, based on a median home value of $1,307,200 and median real estate taxes of $10,001. That is in line with the Yolo County average of 0.769%.
What is the average home price in El Macero?
The median owner-occupied home value in El Macero, California is $1,307,200, against $593,800 across Yolo County.
Is it cheaper to rent or buy in El Macero?
Rent data is not published for El Macero at this level of detail.
What salary do you need to buy a home in El Macero?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in El Macero, California at today's rate takes a household income of roughly $411,500 a year. That covers the full $9,602 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for El Macero, 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.