Total monthly cost of ownership
Cost to Own a Home in San Juan Bautista, California
A $707,000 home here costs
$5,246per 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 $225,000 a year.
A standard mortgage calculator would have told you $3,855. The real number is $1,392 higher every month, 36% more than the payment most buyers budget for.
Compare San Benito County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for San Juan Bautista from a five-year rolling sample, and with about 2,120 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 San Benito 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.
San Juan Bautista against San Benito County and California
| Measure | San Juan Bautista | San Benito County |
|---|---|---|
| Median home value | $707,100 | $751,500 |
| Median property tax | $5,706 | $6,078 |
| Effective tax rate | 0.807% | 0.809% |
| Median gross rent | $1,958 | $1,922 |
| Population | 2,120 | 66,056 |
The weather behind that power bill
San Juan Bautista sits in San Benito County, which averages a high of 95.9°F in its hottest month and a low of 33.4°F in its coldest, with 16.57" of precipitation a year and 60% of it in a single three-month stretch. That climate drives 920 cooling and 2,857 heating degree days, which is what sets the $150 electricity line above.
See the full climate breakdown for San Benito County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in San Benito County
Full San Benito County cost breakdown · Every county in California
Talk to someone who works this market
These are San Juan Bautista 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 San Juan Bautista every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in San Juan Bautista I already own here and may sell
Common questions
How much does it cost to own a home in San Juan Bautista?
A $707,000 home in San Juan Bautista, California costs approximately $5,246 per month with 20% down at 7.24%. That is $3,855 principal and interest, $475 property tax, $110 homeowners insurance, $218 utilities and $589 set aside for maintenance.
What is the property tax rate in San Juan Bautista?
San Juan Bautista has an effective property tax rate of 0.807%, based on a median home value of $707,100 and median real estate taxes of $5,706. That is in line with the San Benito County average of 0.809%.
What is the average home price in San Juan Bautista?
The median owner-occupied home value in San Juan Bautista, California is $707,100, against $751,500 across San Benito County.
Is it cheaper to rent or buy in San Juan Bautista?
Median gross rent in San Juan Bautista is $1,958 a month, against $5,246 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 San Juan Bautista?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in San Juan Bautista, California at today's rate takes a household income of roughly $225,000 a year. That covers the full $5,246 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for San Juan Bautista, 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.