Total monthly cost of ownership
Cost to Own a Home in Rio Vista, California
A $480,000 home here costs
$3,684per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,468. The real number is $1,217 higher every month — 49% 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.
Rio Vista against Solano County and California
| Measure | Rio Vista | Solano County |
|---|---|---|
| Median home value | $480,300 | $589,600 |
| Median property tax | $4,507 | $4,408 |
| Effective tax rate | 0.938% | 0.748% |
| Median gross rent | $1,624 | $2,088 |
| Population | 10,002 | 450,824 |
The weather behind that power bill
Rio Vista sits in Solano County, which averages a high of 95.0°F in its hottest month and a low of 37.1°F in its coldest, with 24.84" of precipitation a year and 62% of it in a single three-month stretch. That climate drives 1,391 cooling and 2,446 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Solano County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Solano County
Full Solano County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Rio Vista?
A $480,000 home in Rio Vista, California costs approximately $3,684 per month with 20% down at 6.66%. That is $2,468 principal and interest, $375 property tax, $74 homeowners insurance, $367 utilities and $400 set aside for maintenance.
What is the property tax rate in Rio Vista?
Rio Vista has an effective property tax rate of 0.938%, based on a median home value of $480,300 and median real estate taxes of $4,507. That is higher than the Solano County average of 0.748%.
What is the average home price in Rio Vista?
The median owner-occupied home value in Rio Vista, California is $480,300, against $589,600 across Solano County.
Is it cheaper to rent or buy in Rio Vista?
Median gross rent in Rio Vista is $1,624 a month, against $3,684 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 Rio Vista — 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.