Local costs · California
What it costs to own a home in Shasta County, California
The real property-tax rate, risk-adjusted insurance, and honest closing costs for Shasta County — with the all-in monthly cost of a county-median-priced home and the income it takes to carry it comfortably.
The headline numbers
US Census, ACS 2024 5-year
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The “median home” here is the Shasta County median owner-occupied value ($366,400, US Census ACS B25077, ACS 2024 5-year). The all-in monthly uses the real-life basis: loan payment $1,886, property tax $212, insurance $176, maintenance $305 (1%/yr rule of thumb), and utilities $275 (a placeholder, not yet sourced). With 20% down there is no mortgage insurance.
Local risk flags
From the FEMA National Risk Index (December 2025). Covered perils show up as insurance-premium pressure; flood and earthquake are called out because a standard policy excludes them.
Elevated wildfire risk here can lift premiums above the state average.
Notable flood risk — standard policies don't cover flood; check the address's flood zone and consider a separate policy.
Closing costs, in detail
Total transfer/recording tax $403: buyer's customary share $202, seller's customary share $202. County documentary transfer tax: $403 (negotiable). Custom varies: seller customarily pays in Northern CA; negotiated in Southern CA. Many cities (SF, LA, Oakland, Berkeley) levy additional or replacement city transfer taxes.
- Transfer & recording tax
- On the $366,400 median home, the buyer’s customary share is about $202, with roughly $202 customarily paid by the seller. Only the buyer’s share is counted in the closing-cost estimate above.
- Title insurance & settlement
- California uses competitive (filed) rates. Estimated $2,025–$2,740 on this home. Modeled title insurance + settlement (national declining-rate curve, ~0.65% of price at this level). Not a state-promulgated rate.
- Lender and origination
- $1,466–$2,931. Modeled as 0.5-1.0% of loan amount.
- Appraisal, inspection, and reports
- $900–$1,800. Flat buyer-paid diligence estimate.
- Prepaids and escrow
- $1,375–$2,151. Initial escrow deposit for taxes and insurance.
Frequently asked
- What is the property tax rate in Shasta County, CA?
- The effective property tax rate in Shasta County is 0.69% of home value per year (US Census, ACS 2024 5-year). That is about the same as the California average of 0.70% and lower than the national average of 0.92%.
- How much is homeowners insurance in Shasta County?
- A typical homeowners policy runs about $2,110 per year (range $1,370–$3,050) at the Shasta County median home value of $366,400. This is a county-adjusted estimate scaled from the NAIC state average; a real quote depends on the home and coverage.
- What are typical closing costs on a $366,400 home in Shasta County?
- Estimated buyer closing costs run about $6,067–$10,223 on a $366,400 home — lender fees, title and settlement, the buyer's customary share of transfer and recording taxes, and prepaid taxes and insurance.
- What income do you need to afford the median home in Shasta County?
- A household income of about $161,655 per year makes the $366,400 median home here comfortable by our math — housing under about 28% of take-home pay with room left for everyday spending, assuming 20% down at this week's 6.67% 30-year rate.
- What is the all-in monthly cost of the median home in Shasta County?
- About $2,854 per month for the $366,400 median home with 20% down at 6.67% — the loan payment, property tax, home insurance, maintenance, and an estimated utilities figure.
Run your own numbers
These figures use the area median and a 20%-down example. Put in your own price, down payment, income, and debts to see whether it’s comfortable for you.
Open the calculator for Shasta CountyMore counties in California
Sources & vintages
- Property tax: US Census American Community Survey, county effective rate (ACS 2024 5-year).
- Home insurance: NAIC state average premium (2022 · FEMA NRI December 2025), scaled by FEMA National Risk Index covered-peril risk; range modeled.
- Median home value: US Census ACS B25077, Shasta County median owner-occupied value (ACS 2024 5-year).
- Mortgage rate: Freddie Mac 30-year fixed weekly average via FRED, as of 2026-08-13.
- Transfer taxes & title: researched state/local schedules. The everyday-spending baseline ships from the BLS Consumer Expenditure Survey (2024), income-scaled; utilities is the one remaining labeled placeholder.
Estimates, not advice, and not a Loan Estimate. Every number is computed from public data or our own math — see the methodology for how, and where the honest gaps are.