Total monthly cost of ownership
Cost to Own a Home in Heber, California
A $284,000 home here costs
$2,234per 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 $95,500 a year.
A standard mortgage calculator would have told you $1,548. The real number is $685 higher every month, 44% more than the payment most buyers budget for.
Compare Imperial County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Heber against Imperial County and California
| Measure | Heber | Imperial County |
|---|---|---|
| Median home value | $284,300 | $279,500 |
| Median property tax | $2,246 | $2,348 |
| Effective tax rate | 0.790% | 0.840% |
| Median gross rent | $1,015 | $1,012 |
| Population | 7,308 | 179,319 |
The weather behind that power bill
Heber sits in Imperial County, which averages a high of 107.8°F in its hottest month and a low of 41.2°F in its coldest, with 2.38" of precipitation a year and 47% of it in a single three-month stretch. That climate drives 4,162 cooling and 966 heating degree days, which is what sets the $150 electricity line above.
See the full climate breakdown for Imperial County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Imperial County
Full Imperial County cost breakdown · Every county in California
Talk to someone who works this market
These are Heber 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 Heber every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Heber?
A $284,000 home in Heber, California costs approximately $2,234 per month with 20% down at 7.24%. That is $1,548 principal and interest, $187 property tax, $44 homeowners insurance, $218 utilities and $237 set aside for maintenance.
What is the property tax rate in Heber?
Heber has an effective property tax rate of 0.790%, based on a median home value of $284,300 and median real estate taxes of $2,246. That is lower than the Imperial County average of 0.840%.
What is the average home price in Heber?
The median owner-occupied home value in Heber, California is $284,300, against $279,500 across Imperial County.
Is it cheaper to rent or buy in Heber?
Median gross rent in Heber is $1,015 a month, against $2,234 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 Heber?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Heber, California at today's rate takes a household income of roughly $95,500 a year. That covers the full $2,234 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Heber, 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.