Total monthly cost of ownership
Cost to Own a Home in Junction City, California
A $402,000 home here costs
$2,983per 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 $128,000 a year.
A standard mortgage calculator would have told you $2,192. The real number is $791 higher every month, 36% more than the payment most buyers budget for.
Compare Trinity County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Junction City from a five-year rolling sample, and with about 1,084 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Trinity County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Junction City against Trinity County and California
| Measure | Junction City | Trinity County |
|---|---|---|
| Median home value | $401,900 | $329,000 |
| Median property tax | $2,119 | $1,772 |
| Effective tax rate | 0.527% | 0.539% |
| Median gross rent | $834 | $922 |
| Population | 1,084 | 15,886 |
The weather behind that power bill
Junction City sits in Trinity County, which averages a high of 96.5°F in its hottest month and a low of 34.1°F in its coldest, with 35.82" of precipitation a year and 53% of it in a single three-month stretch. That climate drives 888 cooling and 3,868 heating degree days, which is what sets the $150 electricity line above.
See the full climate breakdown for Trinity County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Trinity County
Full Trinity County cost breakdown · Every county in California
Talk to someone who works this market
These are Junction City 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 Junction City every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Junction City I already own here and may sell
Common questions
How much does it cost to own a home in Junction City?
A $402,000 home in Junction City, California costs approximately $2,983 per month with 20% down at 7.24%. That is $2,192 principal and interest, $177 property tax, $62 homeowners insurance, $218 utilities and $335 set aside for maintenance.
What is the property tax rate in Junction City?
Junction City has an effective property tax rate of 0.527%, based on a median home value of $401,900 and median real estate taxes of $2,119. That is lower than the Trinity County average of 0.539%.
What is the average home price in Junction City?
The median owner-occupied home value in Junction City, California is $401,900, against $329,000 across Trinity County.
Is it cheaper to rent or buy in Junction City?
Median gross rent in Junction City is $834 a month, against $2,983 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 Junction City?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Junction City, California at today's rate takes a household income of roughly $128,000 a year. That covers the full $2,983 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Junction City, 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.