Total monthly cost of ownership
Cost to Own a Home in West Sacramento, California
A $497,000 home here costs
$3,853per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $165,000 a year.
A standard mortgage calculator would have told you $2,753. The real number is $1,100 higher every month, 40% more than the payment most buyers budget for.
Compare Yolo County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
West Sacramento against Yolo County and California
| Measure | West Sacramento | Yolo County |
|---|---|---|
| Median home value | $497,100 | $593,800 |
| Median property tax | $4,465 | $4,567 |
| Effective tax rate | 0.898% | 0.769% |
| Median gross rent | $1,568 | $1,757 |
| Population | 54,496 | 217,782 |
The weather behind that power bill
West Sacramento sits in Yolo County, which averages a high of 94.9°F in its hottest month and a low of 37.5°F in its coldest, with 20.5" of precipitation a year and 61% of it in a single three-month stretch. That climate drives 1,416 cooling and 2,432 heating degree days, which is what sets the $169 electricity line above.
See the full climate breakdown for Yolo County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Yolo County
Full Yolo County cost breakdown · Every county in California
Talk to someone who works this market
These are West Sacramento 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 West Sacramento every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in West Sacramento I already own here and may sell
Common questions
How much does it cost to own a home in West Sacramento?
A $497,000 home in West Sacramento, California costs approximately $3,853 per month with 20% down at 7.4%. That is $2,753 principal and interest, $372 property tax, $77 homeowners insurance, $237 utilities and $414 set aside for maintenance.
What is the property tax rate in West Sacramento?
West Sacramento has an effective property tax rate of 0.898%, based on a median home value of $497,100 and median real estate taxes of $4,465. That is higher than the Yolo County average of 0.769%.
What is the average home price in West Sacramento?
The median owner-occupied home value in West Sacramento, California is $497,100, against $593,800 across Yolo County.
Is it cheaper to rent or buy in West Sacramento?
Median gross rent in West Sacramento is $1,568 a month, against $3,853 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 West Sacramento?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in West Sacramento, California at today's rate takes a household income of roughly $165,000 a year. That covers the full $3,853 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for West Sacramento, 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.