Total monthly cost of ownership
Cost to Own a Home in Sutter, California
A $374,000 home here costs
$2,852per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,923. The real number is $929 higher every month — 48% 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.
Sutter against Sutter County and California
| Measure | Sutter | Sutter County |
|---|---|---|
| Median home value | $373,600 | $399,400 |
| Median property tax | $2,308 | $3,111 |
| Effective tax rate | 0.618% | 0.779% |
| Median gross rent | $1,360 | $1,364 |
| Population | 2,671 | 98,971 |
The weather behind that power bill
Sutter sits in Sutter County, which averages a high of 96.2°F in its hottest month and a low of 37.7°F in its coldest, with 20.07" of precipitation a year and 56% of it in a single three-month stretch. That climate drives 1,499 cooling and 2,551 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Sutter County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sutter County
Full Sutter County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Sutter?
A $374,000 home in Sutter, California costs approximately $2,852 per month with 20% down at 6.66%. That is $1,923 principal and interest, $193 property tax, $58 homeowners insurance, $367 utilities and $312 set aside for maintenance.
What is the property tax rate in Sutter?
Sutter has an effective property tax rate of 0.618%, based on a median home value of $373,600 and median real estate taxes of $2,308. That is lower than the Sutter County average of 0.779%.
What is the average home price in Sutter?
The median owner-occupied home value in Sutter, California is $373,600, against $399,400 across Sutter County.
Is it cheaper to rent or buy in Sutter?
Median gross rent in Sutter is $1,360 a month, against $2,852 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 Sutter — 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.