Total monthly cost of ownership
Cost to Own a Home in Rancho Tehama Reserve, California
A $149,000 home here costs
$1,353per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $766. The real number is $587 higher every month — 77% 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 Tehama Reserve against Tehama County and California
| Measure | Rancho Tehama Reserve | Tehama County |
|---|---|---|
| Median home value | $149,000 | $315,600 |
| Median property tax | $877 | $1,996 |
| Effective tax rate | 0.589% | 0.632% |
| Median gross rent | $939 | $1,159 |
| Population | 1,102 | 65,520 |
The weather behind that power bill
Rancho Tehama Reserve sits in Tehama County, which averages a high of 98.0°F in its hottest month and a low of 37.8°F in its coldest, with 23.12" of precipitation a year and 57% of it in a single three-month stretch. That climate drives 1,926 cooling and 2,525 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Tehama County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Tehama County
Full Tehama County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Rancho Tehama Reserve?
A $149,000 home in Rancho Tehama Reserve, California costs approximately $1,353 per month with 20% down at 6.66%. That is $766 principal and interest, $73 property tax, $23 homeowners insurance, $367 utilities and $124 set aside for maintenance.
What is the property tax rate in Rancho Tehama Reserve?
Rancho Tehama Reserve has an effective property tax rate of 0.589%, based on a median home value of $149,000 and median real estate taxes of $877. That is lower than the Tehama County average of 0.632%.
What is the average home price in Rancho Tehama Reserve?
The median owner-occupied home value in Rancho Tehama Reserve, California is $149,000, against $315,600 across Tehama County.
Is it cheaper to rent or buy in Rancho Tehama Reserve?
Median gross rent in Rancho Tehama Reserve is $939 a month, against $1,353 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 Tehama Reserve — 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.