Total monthly cost of ownership
Cost to Own a Home in Loma Rica, California
A $492,000 home here costs
$3,633per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,529. The real number is $1,103 higher every month — 44% 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.
Loma Rica against Yuba County and California
| Measure | Loma Rica | Yuba County |
|---|---|---|
| Median home value | $491,600 | $380,000 |
| Median property tax | $3,000 | $2,865 |
| Effective tax rate | 0.610% | 0.754% |
| Median gross rent | $1,740 | $1,209 |
| Population | 2,371 | 83,079 |
The weather behind that power bill
Loma Rica sits in Yuba County, which averages a high of 96.2°F in its hottest month and a low of 37.7°F in its coldest, with 20.07" of precipitation a year and 56% of it in a single three-month stretch. That climate drives 1,499 cooling and 2,551 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Yuba County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Yuba County
Full Yuba County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Loma Rica?
A $492,000 home in Loma Rica, California costs approximately $3,633 per month with 20% down at 6.66%. That is $2,529 principal and interest, $250 property tax, $76 homeowners insurance, $367 utilities and $410 set aside for maintenance.
What is the property tax rate in Loma Rica?
Loma Rica has an effective property tax rate of 0.610%, based on a median home value of $491,600 and median real estate taxes of $3,000. That is lower than the Yuba County average of 0.754%.
What is the average home price in Loma Rica?
The median owner-occupied home value in Loma Rica, California is $491,600, against $380,000 across Yuba County.
Is it cheaper to rent or buy in Loma Rica?
Median gross rent in Loma Rica is $1,740 a month, against $3,633 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 Loma Rica — 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.