Total monthly cost of ownership
Cost to Own a Home in Prunedale, California
A $760,000 home here costs
$5,408per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,907. The real number is $1,501 higher every month — 38% 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.
Prunedale against Monterey County and California
| Measure | Prunedale | Monterey County |
|---|---|---|
| Median home value | $760,200 | $723,100 |
| Median property tax | $4,597 | $4,782 |
| Effective tax rate | 0.605% | 0.661% |
| Median gross rent | $1,711 | $1,995 |
| Population | 19,286 | 435,834 |
The weather behind that power bill
Prunedale sits in Monterey County, which averages a high of 85.2°F in its hottest month and a low of 37.1°F in its coldest, with 11.83" of precipitation a year and 59% of it in a single three-month stretch. That climate drives 578 cooling and 2,288 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Monterey County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Monterey County
Full Monterey County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Prunedale?
A $760,000 home in Prunedale, California costs approximately $5,408 per month with 20% down at 6.66%. That is $3,907 principal and interest, $383 property tax, $118 homeowners insurance, $367 utilities and $633 set aside for maintenance.
What is the property tax rate in Prunedale?
Prunedale has an effective property tax rate of 0.605%, based on a median home value of $760,200 and median real estate taxes of $4,597. That is lower than the Monterey County average of 0.661%.
What is the average home price in Prunedale?
The median owner-occupied home value in Prunedale, California is $760,200, against $723,100 across Monterey County.
Is it cheaper to rent or buy in Prunedale?
Median gross rent in Prunedale is $1,711 a month, against $5,408 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 Prunedale — 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.