Total monthly cost of ownership
Cost to Own a Home in Willows, California
A $286,000 home here costs
$2,273per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,470. The real number is $803 higher every month — 55% 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.
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 $299 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
Common questions
How much does it cost to own a home in Willows?
A $286,000 home in Willows, California costs approximately $2,273 per month with 20% down at 6.66%. That is $1,470 principal and interest, $153 property tax, $44 homeowners insurance, $367 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 $2,273 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 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.