How Much Does a Home Really Cost Per Month in Sonoma County?

If you're house hunting in Sonoma County, you're probably asking: What will my monthly payment actually be? With interest rates fluctuating and home prices on the rise, understanding the full monthly cost is essential—especially for families planning their budget before making a move.

We broke down the monthly costs for four common home price points in Sonoma County using today’s average interest rate (6.6%) and realistic estimates for property taxes and homeowners insurance.

📊 Estimated Monthly Costs (With 20% Down Payment)

Estimates are based on a 30-year fixed-rate mortgage at 6.6% interest. Property tax is estimated at 1.15% of the purchase price annually. Insurance is estimated at $90/month.

💡 Why It Matters

These numbers help you plan beyond the purchase price—because what really matters to most families is how it impacts their monthly budget. Whether you're a first-time buyer or upsizing to fit your growing needs, knowing the full cost helps you shop with clarity.

👩‍💼 Let’s Talk Numbers That Work for You

Curious what your monthly payment would look like based on your budget? Want to know how much house you can afford right now?

We’d be happy to walk you through a custom estimate and connect you with one of our trusted lenders to get pre-approved.

📲 Reach out anytime—we’re here to guide you every step of the way.

We’re realtors, moms, locals, and dog lovers serving Sonoma County and Marin County, who love sharing everything about where we live and the neighborhoods we explore.

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