Total monthly cost of ownership
Cost to Own a Home in Ukiah, California
A $448,000 home here costs
$3,370per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,303. The real number is $1,067 higher every month — 46% 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.
Ukiah against Mendocino County and California
| Measure | Ukiah | Mendocino County |
|---|---|---|
| Median home value | $448,100 | $486,000 |
| Median property tax | $3,088 | $3,376 |
| Effective tax rate | 0.689% | 0.695% |
| Median gross rent | $1,330 | $1,325 |
| Population | 16,419 | 90,709 |
The weather behind that power bill
Ukiah sits in Mendocino County, which averages a high of 83.5°F in its hottest month and a low of 32.3°F in its coldest, with 49.23" of precipitation a year and 56% of it in a single three-month stretch. That climate drives 195 cooling and 4,527 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Mendocino County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Mendocino County
Full Mendocino County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Ukiah?
A $448,000 home in Ukiah, California costs approximately $3,370 per month with 20% down at 6.66%. That is $2,303 principal and interest, $257 property tax, $69 homeowners insurance, $367 utilities and $373 set aside for maintenance.
What is the property tax rate in Ukiah?
Ukiah has an effective property tax rate of 0.689%, based on a median home value of $448,100 and median real estate taxes of $3,088. That is in line with the Mendocino County average of 0.695%.
What is the average home price in Ukiah?
The median owner-occupied home value in Ukiah, California is $448,100, against $486,000 across Mendocino County.
Is it cheaper to rent or buy in Ukiah?
Median gross rent in Ukiah is $1,330 a month, against $3,370 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 Ukiah — 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.