Total monthly cost of ownership
Cost to Own a Home in Williams, California
A $340,000 home here costs
$2,631per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $112,500 a year.
A standard mortgage calculator would have told you $1,854. The real number is $777 higher every month, 42% more than the payment most buyers budget for.
Compare Colusa 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.
Williams against Colusa County and California
| Measure | Williams | Colusa County |
|---|---|---|
| Median home value | $339,900 | $375,100 |
| Median property tax | $2,680 | $2,481 |
| Effective tax rate | 0.788% | 0.661% |
| Median gross rent | $1,296 | $1,139 |
| Population | 5,569 | 21,895 |
The weather behind that power bill
Williams sits in Colusa County, which averages a high of 92.4°F in its hottest month and a low of 37.7°F in its coldest, with 17.19" of precipitation a year and 57% of it in a single three-month stretch. That climate drives 1,329 cooling and 2,588 heating degree days, which is what sets the $150 electricity line above.
See the full climate breakdown for Colusa County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Colusa County
Full Colusa County cost breakdown · Every county in California
Talk to someone who works this market
These are Williams 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 Williams every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Williams I already own here and may sell
Common questions
How much does it cost to own a home in Williams?
A $340,000 home in Williams, California costs approximately $2,631 per month with 20% down at 7.24%. That is $1,854 principal and interest, $223 property tax, $53 homeowners insurance, $218 utilities and $283 set aside for maintenance.
What is the property tax rate in Williams?
Williams has an effective property tax rate of 0.788%, based on a median home value of $339,900 and median real estate taxes of $2,680. That is higher than the Colusa County average of 0.661%.
What is the average home price in Williams?
The median owner-occupied home value in Williams, California is $339,900, against $375,100 across Colusa County.
Is it cheaper to rent or buy in Williams?
Median gross rent in Williams is $1,296 a month, against $2,631 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 Williams?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Williams, California at today's rate takes a household income of roughly $112,500 a year. That covers the full $2,631 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Williams, 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.