Total monthly cost of ownership
Cost to Own a Home in Mono Vista, California
A $402,000 home here costs
$3,060per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,067. The real number is $993 higher every month — 48% 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.
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 $299 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
Common questions
How much does it cost to own a home in Mono Vista?
A $402,000 home in Mono Vista, California costs approximately $3,060 per month with 20% down at 6.66%. That is $2,067 principal and interest, $229 property tax, $62 homeowners insurance, $367 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 $3,060 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 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.