Total monthly cost of ownership
Cost to Own a Home in Red Bluff, California
A $271,000 home here costs
$2,095per 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 $90,000 a year.
A standard mortgage calculator would have told you $1,477. The real number is $617 higher every month, 42% more than the payment most buyers budget for.
Compare Tehama County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Red Bluff against Tehama County and California
| Measure | Red Bluff | Tehama County |
|---|---|---|
| Median home value | $271,100 | $315,600 |
| Median property tax | $1,582 | $1,996 |
| Effective tax rate | 0.584% | 0.632% |
| Median gross rent | $1,068 | $1,159 |
| Population | 14,592 | 65,520 |
The weather behind that power bill
Red Bluff 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 $150 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
Talk to someone who works this market
These are Red Bluff 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 Red Bluff every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Red Bluff I already own here and may sell
Common questions
How much does it cost to own a home in Red Bluff?
A $271,000 home in Red Bluff, California costs approximately $2,095 per month with 20% down at 7.24%. That is $1,477 principal and interest, $132 property tax, $42 homeowners insurance, $218 utilities and $226 set aside for maintenance.
What is the property tax rate in Red Bluff?
Red Bluff has an effective property tax rate of 0.584%, based on a median home value of $271,100 and median real estate taxes of $1,582. That is lower than the Tehama County average of 0.632%.
What is the average home price in Red Bluff?
The median owner-occupied home value in Red Bluff, California is $271,100, against $315,600 across Tehama County.
Is it cheaper to rent or buy in Red Bluff?
Median gross rent in Red Bluff is $1,068 a month, against $2,095 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Red Bluff?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Red Bluff, California at today's rate takes a household income of roughly $90,000 a year. That covers the full $2,095 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Red Bluff, 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.