Total monthly cost of ownership
Cost to Own a Home in Plumas Lake, California
A $526,000 home here costs
$4,028per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,704. The real number is $1,324 higher every month — 49% 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.
Plumas Lake against Yuba County and California
| Measure | Plumas Lake | Yuba County |
|---|---|---|
| Median home value | $525,900 | $380,000 |
| Median property tax | $5,241 | $2,865 |
| Effective tax rate | 0.997% | 0.754% |
| Median gross rent | $2,290 | $1,209 |
| Population | 8,424 | 83,079 |
The weather behind that power bill
Plumas Lake sits in Yuba County, which averages a high of 96.2°F in its hottest month and a low of 37.7°F in its coldest, with 20.07" of precipitation a year and 56% of it in a single three-month stretch. That climate drives 1,499 cooling and 2,551 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Yuba County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Yuba County
Full Yuba County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Plumas Lake?
A $526,000 home in Plumas Lake, California costs approximately $4,028 per month with 20% down at 6.66%. That is $2,704 principal and interest, $437 property tax, $82 homeowners insurance, $367 utilities and $438 set aside for maintenance.
What is the property tax rate in Plumas Lake?
Plumas Lake has an effective property tax rate of 0.997%, based on a median home value of $525,900 and median real estate taxes of $5,241. That is higher than the Yuba County average of 0.754%.
What is the average home price in Plumas Lake?
The median owner-occupied home value in Plumas Lake, California is $525,900, against $380,000 across Yuba County.
Is it cheaper to rent or buy in Plumas Lake?
Median gross rent in Plumas Lake is $2,290 a month, against $4,028 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 Plumas 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.