Total monthly cost of ownership
Cost to Own a Home in San Miguel CDP (Contra Costa County), California
A $1,627,000 home here costs
$11,173per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $8,364. The real number is $2,809 higher every month — 34% 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.
San Miguel CDP (Contra Costa County) against Contra Costa County and California
| Measure | San Miguel CDP (Contra Costa County) | Contra Costa County |
|---|---|---|
| Median home value | $1,627,300 | $830,800 |
| Median property tax | $10,001 | $6,903 |
| Effective tax rate | 0.615% | 0.831% |
| Median gross rent | $2,458 | $2,322 |
| Population | 3,991 | 1,161,458 |
The weather behind that power bill
San Miguel CDP (Contra Costa County) sits in Contra Costa County, which averages a high of 82.8°F in its hottest month and a low of 41.3°F in its coldest, with 26.05" of precipitation a year and 58% of it in a single three-month stretch. That climate drives 926 cooling and 3,309 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Contra Costa County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Contra Costa County
Full Contra Costa County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in San Miguel CDP (Contra Costa County)?
A $1,627,000 home in San Miguel CDP (Contra Costa County), California costs approximately $11,173 per month with 20% down at 6.66%. That is $8,364 principal and interest, $834 property tax, $252 homeowners insurance, $367 utilities and $1,356 set aside for maintenance.
What is the property tax rate in San Miguel CDP (Contra Costa County)?
San Miguel CDP (Contra Costa County) has an effective property tax rate of 0.615%, based on a median home value of $1,627,300 and median real estate taxes of $10,001. That is lower than the Contra Costa County average of 0.831%.
What is the average home price in San Miguel CDP (Contra Costa County)?
The median owner-occupied home value in San Miguel CDP (Contra Costa County), California is $1,627,300, against $830,800 across Contra Costa County.
Is it cheaper to rent or buy in San Miguel CDP (Contra Costa County)?
Median gross rent in San Miguel CDP (Contra Costa County) is $2,458 a month, against $11,173 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 San Miguel CDP (Contra Costa County) — 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.