Total monthly cost of ownership
Cost to Own a Home in La Honda, California
A $990,000 home here costs
$7,104per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $5,090. The real number is $2,014 higher every month — 40% 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.
La Honda against San Mateo County and California
| Measure | La Honda | San Mateo County |
|---|---|---|
| Median home value | $989,600 | $1,494,500 |
| Median property tax | $8,025 | $9,167 |
| Effective tax rate | 0.811% | 0.613% |
| Median gross rent | — | $2,893 |
| Population | 1,094 | 745,100 |
The weather behind that power bill
La Honda sits in San Mateo County, which averages a high of 66.4°F in its hottest month and a low of 42.9°F in its coldest, with 26.04" of precipitation a year and 57% of it in a single three-month stretch. That climate drives 12 cooling and 3,701 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for San Mateo County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in San Mateo County
Full San Mateo County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in La Honda?
A $990,000 home in La Honda, California costs approximately $7,104 per month with 20% down at 6.66%. That is $5,090 principal and interest, $669 property tax, $153 homeowners insurance, $367 utilities and $825 set aside for maintenance.
What is the property tax rate in La Honda?
La Honda has an effective property tax rate of 0.811%, based on a median home value of $989,600 and median real estate taxes of $8,025. That is higher than the San Mateo County average of 0.613%.
What is the average home price in La Honda?
The median owner-occupied home value in La Honda, California is $989,600, against $1,494,500 across San Mateo County.
Is it cheaper to rent or buy in La Honda?
Rent data is not published for La Honda at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for La Honda — 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.