Total monthly cost of ownership
Cost to Own a Home in Quincy, California
A $285,000 home here costs
$2,253per 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 $96,500 a year.
A standard mortgage calculator would have told you $1,554. The real number is $700 higher every month, 45% more than the payment most buyers budget for.
Compare Plumas County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Quincy from a five-year rolling sample, and with about 1,580 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 Plumas 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.
Quincy against Plumas County and California
| Measure | Quincy | Plumas County |
|---|---|---|
| Median home value | $284,500 | $327,400 |
| Median property tax | $2,398 | $2,360 |
| Effective tax rate | 0.843% | 0.721% |
| Median gross rent | — | $1,034 |
| Population | 1,580 | 19,607 |
The weather behind that power bill
Quincy sits in Plumas County, which averages a high of 89.0°F in its hottest month and a low of 25.2°F in its coldest, with 41.67" of precipitation a year and 54% of it in a single three-month stretch. That climate drives 283 cooling and 5,728 heating degree days, which is what sets the $150 electricity line above.
See the full climate breakdown for Plumas County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Plumas County
Full Plumas County cost breakdown · Every county in California
Talk to someone who works this market
These are Quincy 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 Quincy every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Quincy I already own here and may sell
Common questions
How much does it cost to own a home in Quincy?
A $285,000 home in Quincy, California costs approximately $2,253 per month with 20% down at 7.24%. That is $1,554 principal and interest, $200 property tax, $44 homeowners insurance, $218 utilities and $238 set aside for maintenance.
What is the property tax rate in Quincy?
Quincy has an effective property tax rate of 0.843%, based on a median home value of $284,500 and median real estate taxes of $2,398. That is higher than the Plumas County average of 0.721%.
What is the average home price in Quincy?
The median owner-occupied home value in Quincy, California is $284,500, against $327,400 across Plumas County.
Is it cheaper to rent or buy in Quincy?
Rent data is not published for Quincy at this level of detail.
What salary do you need to buy a home in Quincy?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Quincy, California at today's rate takes a household income of roughly $96,500 a year. That covers the full $2,253 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Quincy, 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.