Total monthly cost of ownership
Cost to Own a Home in Wheatland, California
A $387,000 home here costs
$3,008per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,990. The real number is $1,018 higher every month — 51% 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.
Wheatland against Yuba County and California
| Measure | Wheatland | Yuba County |
|---|---|---|
| Median home value | $387,300 | $380,000 |
| Median property tax | $3,229 | $2,865 |
| Effective tax rate | 0.834% | 0.754% |
| Median gross rent | $1,210 | $1,209 |
| Population | 3,790 | 83,079 |
The weather behind that power bill
Wheatland sits in Yuba 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 Yuba County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Yuba County
Full Yuba County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Wheatland?
A $387,000 home in Wheatland, California costs approximately $3,008 per month with 20% down at 6.66%. That is $1,990 principal and interest, $269 property tax, $60 homeowners insurance, $367 utilities and $323 set aside for maintenance.
What is the property tax rate in Wheatland?
Wheatland has an effective property tax rate of 0.834%, based on a median home value of $387,300 and median real estate taxes of $3,229. That is higher than the Yuba County average of 0.754%.
What is the average home price in Wheatland?
The median owner-occupied home value in Wheatland, California is $387,300, against $380,000 across Yuba County.
Is it cheaper to rent or buy in Wheatland?
Median gross rent in Wheatland is $1,210 a month, against $3,008 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 Wheatland — 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.