Total monthly cost of ownership
Cost to Own a Home in Mono Vista, California
A $402,000 home here costs
$3,036per 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 $130,000 a year.
A standard mortgage calculator would have told you $2,192. The real number is $844 higher every month, 39% more than the payment most buyers budget for.
Compare Tuolumne County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Mono Vista from a five-year rolling sample, and with about 3,696 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 Tuolumne 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.
Mono Vista against Tuolumne County and California
| Measure | Mono Vista | Tuolumne County |
|---|---|---|
| Median home value | $401,800 | $406,200 |
| Median property tax | $2,747 | $2,737 |
| Effective tax rate | 0.684% | 0.674% |
| Median gross rent | $1,859 | $1,247 |
| Population | 3,696 | 54,873 |
The weather behind that power bill
Mono Vista sits in Tuolumne County, which averages a high of 89.2°F in its hottest month and a low of 30.9°F in its coldest, with 49.05" of precipitation a year and 53% of it in a single three-month stretch. That climate drives 812 cooling and 4,564 heating degree days, which is what sets the $150 electricity line above.
See the full climate breakdown for Tuolumne County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Tuolumne County
Full Tuolumne County cost breakdown · Every county in California
Talk to someone who works this market
These are Mono Vista 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 Mono Vista every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Mono Vista I already own here and may sell
Common questions
How much does it cost to own a home in Mono Vista?
A $402,000 home in Mono Vista, California costs approximately $3,036 per month with 20% down at 7.24%. That is $2,192 principal and interest, $229 property tax, $62 homeowners insurance, $218 utilities and $335 set aside for maintenance.
What is the property tax rate in Mono Vista?
Mono Vista has an effective property tax rate of 0.684%, based on a median home value of $401,800 and median real estate taxes of $2,747. That is higher than the Tuolumne County average of 0.674%.
What is the average home price in Mono Vista?
The median owner-occupied home value in Mono Vista, California is $401,800, against $406,200 across Tuolumne County.
Is it cheaper to rent or buy in Mono Vista?
Median gross rent in Mono Vista is $1,859 a month, against $3,036 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 Mono Vista?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Mono Vista, California at today's rate takes a household income of roughly $130,000 a year. That covers the full $3,036 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Mono Vista, 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.