Total monthly cost of ownership
Cost to Own a Home in Willows, California
A $286,000 home here costs
$2,213per 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 $95,000 a year.
A standard mortgage calculator would have told you $1,559. The real number is $653 higher every month, 42% more than the payment most buyers budget for.
Compare Glenn 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.
Willows against Glenn County and California
| Measure | Willows | Glenn County |
|---|---|---|
| Median home value | $286,200 | $338,400 |
| Median property tax | $1,836 | $2,190 |
| Effective tax rate | 0.642% | 0.647% |
| Median gross rent | $1,149 | $1,103 |
| Population | 6,239 | 28,623 |
The weather behind that power bill
Willows sits in Glenn County, which averages a high of 95.9°F in its hottest month and a low of 33.0°F in its coldest, with 21.36" of precipitation a year and 59% of it in a single three-month stretch. That climate drives 1,364 cooling and 3,190 heating degree days, which is what sets the $150 electricity line above.
See the full climate breakdown for Glenn County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Glenn County
Full Glenn County cost breakdown · Every county in California
Talk to someone who works this market
These are Willows 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 Willows every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Willows I already own here and may sell
Common questions
How much does it cost to own a home in Willows?
A $286,000 home in Willows, California costs approximately $2,213 per month with 20% down at 7.24%. That is $1,559 principal and interest, $153 property tax, $44 homeowners insurance, $218 utilities and $238 set aside for maintenance.
What is the property tax rate in Willows?
Willows has an effective property tax rate of 0.642%, based on a median home value of $286,200 and median real estate taxes of $1,836. That is in line with the Glenn County average of 0.647%.
What is the average home price in Willows?
The median owner-occupied home value in Willows, California is $286,200, against $338,400 across Glenn County.
Is it cheaper to rent or buy in Willows?
Median gross rent in Willows is $1,149 a month, against $2,213 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 Willows?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Willows, California at today's rate takes a household income of roughly $95,000 a year. That covers the full $2,213 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Willows, 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.