Total monthly cost of ownership
Cost to Own a Home in Phoenix Lake, California
A $455,000 home here costs
$3,414per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,339. The real number is $1,074 higher every month — 46% 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.
Phoenix Lake against Tuolumne County and California
| Measure | Phoenix Lake | Tuolumne County |
|---|---|---|
| Median home value | $455,000 | $406,200 |
| Median property tax | $3,095 | $2,737 |
| Effective tax rate | 0.680% | 0.674% |
| Median gross rent | $1,724 | $1,247 |
| Population | 4,505 | 54,873 |
The weather behind that power bill
Phoenix Lake 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 Phoenix Lake?
A $455,000 home in Phoenix Lake, California costs approximately $3,414 per month with 20% down at 6.66%. That is $2,339 principal and interest, $258 property tax, $71 homeowners insurance, $367 utilities and $379 set aside for maintenance.
What is the property tax rate in Phoenix Lake?
Phoenix Lake has an effective property tax rate of 0.680%, based on a median home value of $455,000 and median real estate taxes of $3,095. That is in line with the Tuolumne County average of 0.674%.
What is the average home price in Phoenix Lake?
The median owner-occupied home value in Phoenix Lake, California is $455,000, against $406,200 across Tuolumne County.
Is it cheaper to rent or buy in Phoenix Lake?
Median gross rent in Phoenix Lake is $1,724 a month, against $3,414 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 Phoenix Lake — 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.