Total monthly cost of ownership
Cost to Own a Home in Montague, California
A $181,000 home here costs
$1,583per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $931. The real number is $652 higher every month — 70% 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.
Montague against Siskiyou County and California
| Measure | Montague | Siskiyou County |
|---|---|---|
| Median home value | $181,300 | $284,500 |
| Median property tax | $1,276 | $1,880 |
| Effective tax rate | 0.704% | 0.661% |
| Median gross rent | $833 | $1,043 |
| Population | 1,486 | 43,834 |
The weather behind that power bill
Montague sits in Siskiyou County, which averages a high of 93.4°F in its hottest month and a low of 25.9°F in its coldest, with 11.99" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 704 cooling and 5,127 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Siskiyou County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Siskiyou County
Full Siskiyou County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Montague?
A $181,000 home in Montague, California costs approximately $1,583 per month with 20% down at 6.66%. That is $931 principal and interest, $106 property tax, $28 homeowners insurance, $367 utilities and $151 set aside for maintenance.
What is the property tax rate in Montague?
Montague has an effective property tax rate of 0.704%, based on a median home value of $181,300 and median real estate taxes of $1,276. That is higher than the Siskiyou County average of 0.661%.
What is the average home price in Montague?
The median owner-occupied home value in Montague, California is $181,300, against $284,500 across Siskiyou County.
Is it cheaper to rent or buy in Montague?
Median gross rent in Montague is $833 a month, against $1,583 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 Montague — 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.