Total monthly cost of ownership
Cost to Own a Home in Grayson, California
A $439,000 home here costs
$3,710per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,257. The real number is $1,453 higher every month — 64% 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.
Grayson against Stanislaus County and California
| Measure | Grayson | Stanislaus County |
|---|---|---|
| Median home value | $439,300 | $426,600 |
| Median property tax | $7,828 | $3,025 |
| Effective tax rate | 1.782% | 0.709% |
| Median gross rent | $1,690 | $1,528 |
| Population | 1,164 | 552,250 |
The weather behind that power bill
Grayson sits in Stanislaus County, which averages a high of 95.0°F in its hottest month and a low of 38.6°F in its coldest, with 12.27" of precipitation a year and 57% of it in a single three-month stretch. That climate drives 1,624 cooling and 2,300 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Stanislaus County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Stanislaus County
Full Stanislaus County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Grayson?
A $439,000 home in Grayson, California costs approximately $3,710 per month with 20% down at 6.66%. That is $2,257 principal and interest, $652 property tax, $68 homeowners insurance, $367 utilities and $366 set aside for maintenance.
What is the property tax rate in Grayson?
Grayson has an effective property tax rate of 1.782%, based on a median home value of $439,300 and median real estate taxes of $7,828. That is higher than the Stanislaus County average of 0.709%.
What is the average home price in Grayson?
The median owner-occupied home value in Grayson, California is $439,300, against $426,600 across Stanislaus County.
Is it cheaper to rent or buy in Grayson?
Median gross rent in Grayson is $1,690 a month, against $3,710 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 Grayson — 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.