Total monthly cost of ownership
Cost to Own a Home in Rancho Murieta, California
A $660,000 home here costs
$4,825per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,393. The real number is $1,432 higher every month — 42% 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.
Rancho Murieta against Sacramento County and California
| Measure | Rancho Murieta | Sacramento County |
|---|---|---|
| Median home value | $660,000 | $498,900 |
| Median property tax | $4,959 | $3,768 |
| Effective tax rate | 0.751% | 0.755% |
| Median gross rent | $3,333 | $1,702 |
| Population | 5,606 | 1,584,047 |
The weather behind that power bill
Rancho Murieta sits in Sacramento County, which averages a high of 94.4°F in its hottest month and a low of 40.7°F in its coldest, with 19.2" of precipitation a year and 57% of it in a single three-month stretch. That climate drives 1,576 cooling and 2,139 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Sacramento County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sacramento County
Full Sacramento County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Rancho Murieta?
A $660,000 home in Rancho Murieta, California costs approximately $4,825 per month with 20% down at 6.66%. That is $3,393 principal and interest, $413 property tax, $102 homeowners insurance, $367 utilities and $550 set aside for maintenance.
What is the property tax rate in Rancho Murieta?
Rancho Murieta has an effective property tax rate of 0.751%, based on a median home value of $660,000 and median real estate taxes of $4,959. That is in line with the Sacramento County average of 0.755%.
What is the average home price in Rancho Murieta?
The median owner-occupied home value in Rancho Murieta, California is $660,000, against $498,900 across Sacramento County.
Is it cheaper to rent or buy in Rancho Murieta?
Median gross rent in Rancho Murieta is $3,333 a month, against $4,825 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 Rancho Murieta — 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.