Total monthly cost of ownership
Cost to Own a Home in Jackson, California
A $433,000 home here costs
$3,235per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,226. The real number is $1,009 higher every month — 45% 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.
Jackson against Amador County and California
| Measure | Jackson | Amador County |
|---|---|---|
| Median home value | $432,600 | $422,800 |
| Median property tax | $2,566 | $2,939 |
| Effective tax rate | 0.593% | 0.695% |
| Median gross rent | $1,397 | $1,380 |
| Population | 5,061 | 41,029 |
The weather behind that power bill
Jackson sits in Amador County, which averages a high of 93.4°F in its hottest month and a low of 38.8°F in its coldest, with 32.02" of precipitation a year and 53% of it in a single three-month stretch. That climate drives 1,431 cooling and 2,857 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Amador County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Amador County
Full Amador County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Jackson?
A $433,000 home in Jackson, California costs approximately $3,235 per month with 20% down at 6.66%. That is $2,226 principal and interest, $214 property tax, $67 homeowners insurance, $367 utilities and $361 set aside for maintenance.
What is the property tax rate in Jackson?
Jackson has an effective property tax rate of 0.593%, based on a median home value of $432,600 and median real estate taxes of $2,566. That is lower than the Amador County average of 0.695%.
What is the average home price in Jackson?
The median owner-occupied home value in Jackson, California is $432,600, against $422,800 across Amador County.
Is it cheaper to rent or buy in Jackson?
Median gross rent in Jackson is $1,397 a month, against $3,235 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 Jackson — 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.