Total monthly cost of ownership
Cost to Own a Home in Eureka, California
A $376,000 home here costs
$2,875per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,933. The real number is $942 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.
Eureka against Humboldt County and California
| Measure | Eureka | Humboldt County |
|---|---|---|
| Median home value | $375,800 | $418,800 |
| Median property tax | $2,437 | $2,731 |
| Effective tax rate | 0.648% | 0.652% |
| Median gross rent | $1,157 | $1,249 |
| Population | 26,302 | 135,418 |
The weather behind that power bill
Eureka sits in Humboldt County, which averages a high of 64.0°F in its hottest month and a low of 40.0°F in its coldest, with 40.4" of precipitation a year and 51% of it in a single three-month stretch. That climate drives 2 cooling and 4,506 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Humboldt County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Humboldt County
Full Humboldt County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Eureka?
A $376,000 home in Eureka, California costs approximately $2,875 per month with 20% down at 6.66%. That is $1,933 principal and interest, $203 property tax, $58 homeowners insurance, $367 utilities and $313 set aside for maintenance.
What is the property tax rate in Eureka?
Eureka has an effective property tax rate of 0.648%, based on a median home value of $375,800 and median real estate taxes of $2,437. That is in line with the Humboldt County average of 0.652%.
What is the average home price in Eureka?
The median owner-occupied home value in Eureka, California is $375,800, against $418,800 across Humboldt County.
Is it cheaper to rent or buy in Eureka?
Median gross rent in Eureka is $1,157 a month, against $2,875 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 Eureka — 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.