Total monthly cost of ownership
Cost to Own a Home in Winters, California
A $599,000 home here costs
$4,351per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,079. The real number is $1,271 higher every month — 41% 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.
Winters against Yolo County and California
| Measure | Winters | Yolo County |
|---|---|---|
| Median home value | $598,700 | $593,800 |
| Median property tax | $3,745 | $4,567 |
| Effective tax rate | 0.626% | 0.769% |
| Median gross rent | $1,664 | $1,757 |
| Population | 7,453 | 217,782 |
The weather behind that power bill
Winters 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 $299 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
Common questions
How much does it cost to own a home in Winters?
A $599,000 home in Winters, California costs approximately $4,351 per month with 20% down at 6.66%. That is $3,079 principal and interest, $312 property tax, $93 homeowners insurance, $367 utilities and $499 set aside for maintenance.
What is the property tax rate in Winters?
Winters has an effective property tax rate of 0.626%, based on a median home value of $598,700 and median real estate taxes of $3,745. That is lower than the Yolo County average of 0.769%.
What is the average home price in Winters?
The median owner-occupied home value in Winters, California is $598,700, against $593,800 across Yolo County.
Is it cheaper to rent or buy in Winters?
Median gross rent in Winters is $1,664 a month, against $4,351 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 Winters — 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.