Total monthly cost of ownership
Cost to Own a Home in Maricopa, California
A $122,000 home here costs
$1,226per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $627. The real number is $599 higher every month — 95% 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.
Maricopa against Kern County and California
| Measure | Maricopa | Kern County |
|---|---|---|
| Median home value | $121,800 | $310,600 |
| Median property tax | $1,333 | $2,833 |
| Effective tax rate | 1.094% | 0.912% |
| Median gross rent | $943 | $1,220 |
| Population | 1,015 | 910,433 |
The weather behind that power bill
Maricopa sits in Kern County, which averages a high of 98.3°F in its hottest month and a low of 39.6°F in its coldest, with 6.36" of precipitation a year and 55% of it in a single three-month stretch. That climate drives 2,425 cooling and 1,958 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Kern County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Kern County
Full Kern County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Maricopa?
A $122,000 home in Maricopa, California costs approximately $1,226 per month with 20% down at 6.66%. That is $627 principal and interest, $111 property tax, $19 homeowners insurance, $367 utilities and $102 set aside for maintenance.
What is the property tax rate in Maricopa?
Maricopa has an effective property tax rate of 1.094%, based on a median home value of $121,800 and median real estate taxes of $1,333. That is higher than the Kern County average of 0.912%.
What is the average home price in Maricopa?
The median owner-occupied home value in Maricopa, California is $121,800, against $310,600 across Kern County.
Is it cheaper to rent or buy in Maricopa?
Median gross rent in Maricopa is $943 a month, against $1,226 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 Maricopa — 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.