Total monthly cost of ownership
Cost to Own a Home in Hartley, California
A $864,000 home here costs
$6,262per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $4,442. The real number is $1,820 higher every month — 41% 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.
Hartley against Solano County and California
| Measure | Hartley | Solano County |
|---|---|---|
| Median home value | $864,100 | $589,600 |
| Median property tax | $7,192 | $4,408 |
| Effective tax rate | 0.832% | 0.748% |
| Median gross rent | $1,115 | $2,088 |
| Population | 1,966 | 450,824 |
The weather behind that power bill
Hartley sits in Solano County, which averages a high of 95.0°F in its hottest month and a low of 37.1°F in its coldest, with 24.84" of precipitation a year and 62% of it in a single three-month stretch. That climate drives 1,391 cooling and 2,446 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Solano County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Solano County
Full Solano County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Hartley?
A $864,000 home in Hartley, California costs approximately $6,262 per month with 20% down at 6.66%. That is $4,442 principal and interest, $599 property tax, $134 homeowners insurance, $367 utilities and $720 set aside for maintenance.
What is the property tax rate in Hartley?
Hartley has an effective property tax rate of 0.832%, based on a median home value of $864,100 and median real estate taxes of $7,192. That is higher than the Solano County average of 0.748%.
What is the average home price in Hartley?
The median owner-occupied home value in Hartley, California is $864,100, against $589,600 across Solano County.
Is it cheaper to rent or buy in Hartley?
Median gross rent in Hartley is $1,115 a month, against $6,262 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 Hartley — 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.