Total monthly cost of ownership
Cost to Own a Home in Pine Hills, California
A $452,000 home here costs
$3,346per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,324. The real number is $1,023 higher every month — 44% 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.
Pine Hills against Humboldt County and California
| Measure | Pine Hills | Humboldt County |
|---|---|---|
| Median home value | $451,500 | $418,800 |
| Median property tax | $2,507 | $2,731 |
| Effective tax rate | 0.555% | 0.652% |
| Median gross rent | $1,697 | $1,249 |
| Population | 3,200 | 135,418 |
The weather behind that power bill
Pine Hills sits in Humboldt County, which averages a high of 64.0°F in its hottest month and a low of 40.0°F in its coldest, with 40.4" of precipitation a year and 51% of it in a single three-month stretch. That climate drives 2 cooling and 4,506 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Humboldt County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Humboldt County
Full Humboldt County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Pine Hills?
A $452,000 home in Pine Hills, California costs approximately $3,346 per month with 20% down at 6.66%. That is $2,324 principal and interest, $209 property tax, $70 homeowners insurance, $367 utilities and $377 set aside for maintenance.
What is the property tax rate in Pine Hills?
Pine Hills has an effective property tax rate of 0.555%, based on a median home value of $451,500 and median real estate taxes of $2,507. That is lower than the Humboldt County average of 0.652%.
What is the average home price in Pine Hills?
The median owner-occupied home value in Pine Hills, California is $451,500, against $418,800 across Humboldt County.
Is it cheaper to rent or buy in Pine Hills?
Median gross rent in Pine Hills is $1,697 a month, against $3,346 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 Pine Hills — 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.