Total monthly cost of ownership
Cost to Own a Home in Spring Valley CDP (San Diego County), California
A $645,000 home here costs
$4,739per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,316. The real number is $1,423 higher every month — 43% 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.
Spring Valley CDP (San Diego County) against San Diego County and California
| Measure | Spring Valley CDP (San Diego County) | San Diego County |
|---|---|---|
| Median home value | $645,300 | $791,600 |
| Median property tax | $5,023 | $5,542 |
| Effective tax rate | 0.778% | 0.700% |
| Median gross rent | $2,114 | $2,154 |
| Population | 32,215 | 3,282,782 |
The weather behind that power bill
Spring Valley CDP (San Diego County) sits in San Diego County, which averages a high of 90.8°F in its hottest month and a low of 35.6°F in its coldest, with 14.65" of precipitation a year and 62% of it in a single three-month stretch. That climate drives 957 cooling and 2,329 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for San Diego County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in San Diego County
Full San Diego County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Spring Valley CDP (San Diego County)?
A $645,000 home in Spring Valley CDP (San Diego County), California costs approximately $4,739 per month with 20% down at 6.66%. That is $3,316 principal and interest, $418 property tax, $100 homeowners insurance, $367 utilities and $538 set aside for maintenance.
What is the property tax rate in Spring Valley CDP (San Diego County)?
Spring Valley CDP (San Diego County) has an effective property tax rate of 0.778%, based on a median home value of $645,300 and median real estate taxes of $5,023. That is higher than the San Diego County average of 0.700%.
What is the average home price in Spring Valley CDP (San Diego County)?
The median owner-occupied home value in Spring Valley CDP (San Diego County), California is $645,300, against $791,600 across San Diego County.
Is it cheaper to rent or buy in Spring Valley CDP (San Diego County)?
Median gross rent in Spring Valley CDP (San Diego County) is $2,114 a month, against $4,739 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 Spring Valley CDP (San Diego 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.