Total monthly cost of ownership
Cost to Own a Home in Niland, California
A $207,000 home here costs
$1,680per 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 $72,000 a year.
A standard mortgage calculator would have told you $1,129. The real number is $552 higher every month, 49% more than the payment most buyers budget for.
Compare Imperial County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Niland from a five-year rolling sample, and with about 1,388 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 Imperial 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.
Niland against Imperial County and California
| Measure | Niland | Imperial County |
|---|---|---|
| Median home value | $207,100 | $279,500 |
| Median property tax | $1,554 | $2,348 |
| Effective tax rate | 0.750% | 0.840% |
| Median gross rent | $768 | $1,012 |
| Population | 1,388 | 179,319 |
The weather behind that power bill
Niland sits in Imperial County, which averages a high of 107.8°F in its hottest month and a low of 41.2°F in its coldest, with 2.38" of precipitation a year and 47% of it in a single three-month stretch. That climate drives 4,162 cooling and 966 heating degree days, which is what sets the $150 electricity line above.
See the full climate breakdown for Imperial County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Imperial County
Full Imperial County cost breakdown · Every county in California
Talk to someone who works this market
These are Niland 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 Niland every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Niland I already own here and may sell
Common questions
How much does it cost to own a home in Niland?
A $207,000 home in Niland, California costs approximately $1,680 per month with 20% down at 7.24%. That is $1,129 principal and interest, $129 property tax, $32 homeowners insurance, $218 utilities and $173 set aside for maintenance.
What is the property tax rate in Niland?
Niland has an effective property tax rate of 0.750%, based on a median home value of $207,100 and median real estate taxes of $1,554. That is lower than the Imperial County average of 0.840%.
What is the average home price in Niland?
The median owner-occupied home value in Niland, California is $207,100, against $279,500 across Imperial County.
Is it cheaper to rent or buy in Niland?
Median gross rent in Niland is $768 a month, against $1,680 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 Niland?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Niland, California at today's rate takes a household income of roughly $72,000 a year. That covers the full $1,680 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Niland, 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.