Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in California
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
California ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | San Mateo County | 23.7% | $2,478 | $10,456 |
| 2 | San Francisco County | 24.5% | $2,386 | $9,756 |
| 3 | Santa Cruz County | 24.6% | $1,766 | $7,185 |
| 4 | Santa Clara County | 24.7% | $2,417 | $9,799 |
| 5 | Marin County | 24.8% | $2,444 | $9,864 |
| 6 | Orange County | 25.2% | $1,650 | $6,537 |
| 7 | Alameda County | 25.7% | $1,954 | $7,599 |
| 8 | Napa County | 25.7% | $1,553 | $6,031 |
| 9 | Santa Barbara County | 25.9% | $1,370 | $5,298 |
| 10 | Monterey County | 25.9% | $1,350 | $5,210 |
| 11 | Los Angeles County | 25.9% | $1,464 | $5,646 |
| 12 | San Diego County | 26.0% | $1,481 | $5,707 |
| 13 | Ventura County | 26.0% | $1,440 | $5,542 |
| 14 | San Luis Obispo County | 26.0% | $1,461 | $5,610 |
| 15 | Sonoma County | 26.1% | $1,472 | $5,631 |
| 16 | El Dorado County | 26.7% | $1,246 | $4,665 |
| 17 | Contra Costa County | 26.9% | $1,633 | $6,069 |
| 18 | San Benito County | 27.0% | $1,486 | $5,498 |
| 19 | Nevada County | 27.2% | $1,205 | $4,423 |
| 20 | Solano County | 27.4% | $1,187 | $4,335 |
| 21 | Yolo County | 27.5% | $1,204 | $4,374 |
| 22 | Mendocino County | 27.8% | $999 | $3,593 |
| 23 | Placer County | 27.8% | $1,355 | $4,872 |
| 24 | Alpine County | 27.9% | $963 | $3,452 |
| 25 | San Bernardino County | 28.0% | $985 | $3,521 |
| 26 | Mono County | 28.1% | $1,073 | $3,819 |
| 27 | Sacramento County | 28.2% | $1,044 | $3,707 |
| 28 | Humboldt County | 28.2% | $879 | $3,114 |
| 29 | San Joaquin County | 28.3% | $1,041 | $3,681 |
| 30 | Calaveras County | 28.4% | $937 | $3,295 |
| 31 | Amador County | 28.5% | $900 | $3,157 |
| 32 | Tuolumne County | 28.6% | $867 | $3,035 |
| 33 | Stanislaus County | 28.6% | $911 | $3,188 |
| 34 | Riverside County | 28.6% | $1,091 | $3,815 |
| 35 | Butte County | 28.6% | $876 | $3,058 |
| 36 | Trinity County | 28.8% | $710 | $2,466 |
| 37 | Colusa County | 28.9% | $814 | $2,817 |
| 38 | Merced County | 29.1% | $808 | $2,775 |
| 39 | Madera County | 29.3% | $815 | $2,778 |
| 40 | Mariposa County | 29.4% | $794 | $2,705 |
| 41 | Del Norte County | 29.4% | $709 | $2,415 |
| 42 | Glenn County | 29.4% | $754 | $2,561 |
| 43 | Sutter County | 29.5% | $891 | $3,023 |
| 44 | Yuba County | 29.6% | $851 | $2,880 |
| 45 | Shasta County | 29.7% | $784 | $2,637 |
| 46 | Fresno County | 29.8% | $821 | $2,757 |
| 47 | Tehama County | 29.8% | $715 | $2,400 |
| 48 | Inyo County | 29.9% | $771 | $2,577 |
| 49 | Plumas County | 30.2% | $757 | $2,505 |
| 50 | Lake County | 30.5% | $741 | $2,433 |
| 51 | Sierra County | 30.5% | $783 | $2,567 |
| 52 | Siskiyou County | 30.8% | $675 | $2,194 |
| 53 | Tulare County | 30.8% | $721 | $2,338 |
| 54 | Kings County | 30.9% | $731 | $2,363 |
| 55 | Lassen County | 31.9% | $649 | $2,035 |
| 56 | Kern County | 32.0% | $780 | $2,438 |
| 57 | Imperial County | 32.2% | $709 | $2,201 |
| 58 | Modoc County | 33.4% | $567 | $1,699 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in California