Highest monthly cost to own a home counties
A ranked view of counties where home value, property tax, and modeled insurance create the highest monthly PITI benchmarks.
Top counties
| Rank | County | Metric | Context |
|---|---|---|---|
| 1 | San Mateo County, California | $9,026/mo estimated PITI | $1,559,600 median home; $9,518/yr tax; $4,159/yr insurance |
| 2 | Marin County, California | $8,796/mo estimated PITI | $1,507,300 median home; $10,001/yr tax; $4,091/yr insurance |
| 3 | Santa Clara County, California | $8,718/mo estimated PITI | $1,490,600 median home; $10,000/yr tax; $4,172/yr insurance |
| 4 | San Francisco County, California | $8,220/mo estimated PITI | $1,394,500 median home; $9,862/yr tax; $4,166/yr insurance |
| 5 | New York County, New York | $6,725/mo estimated PITI | $1,090,500 median home; $10,001/yr tax; $4,527/yr insurance |
| 6 | Alameda County, California | $6,566/mo estimated PITI | $1,090,100 median home; $8,474/yr tax; $4,172/yr insurance |
| 7 | Falls Church city, Virginia | $6,307/mo estimated PITI | $1,055,600 median home; $10,001/yr tax; $1,633/yr insurance |
| 8 | Santa Cruz County, California | $6,084/mo estimated PITI | $1,027,500 median home; $6,538/yr tax; $4,125/yr insurance |
| 9 | Orange County, California | $5,743/mo estimated PITI | $962,600 median home; $6,330/yr tax; $4,173/yr insurance |
| 10 | Kings County, New York | $5,486/mo estimated PITI | $905,000 median home; $6,382/yr tax; $4,539/yr insurance |
| 11 | Arlington County, Virginia | $5,457/mo estimated PITI | $895,000 median home; $8,153/yr tax; $3,022/yr insurance |
| 12 | Contra Costa County, California | $5,292/mo estimated PITI | $866,800 median home; $7,156/yr tax; $3,752/yr insurance |
| 13 | King County, Washington | $5,209/mo estimated PITI | $859,900 median home; $7,114/yr tax; $3,217/yr insurance |
| 14 | Napa County, California | $5,202/mo estimated PITI | $869,500 median home; $5,995/yr tax; $3,673/yr insurance |
| 15 | San Diego County, California | $5,112/mo estimated PITI | $854,700 median home; $5,774/yr tax; $3,705/yr insurance |
| 16 | Los Angeles County, California | $4,993/mo estimated PITI | $834,200 median home; $5,675/yr tax; $3,622/yr insurance |
| 17 | San Luis Obispo County, California | $4,931/mo estimated PITI | $824,700 median home; $5,636/yr tax; $3,497/yr insurance |
| 18 | Ventura County, California | $4,921/mo estimated PITI | $822,700 median home; $5,574/yr tax; $3,560/yr insurance |
| 19 | Sonoma County, California | $4,892/mo estimated PITI | $815,500 median home; $5,695/yr tax; $3,522/yr insurance |
| 20 | Monroe County, Florida | $4,886/mo estimated PITI | $780,600 median home; $4,129/yr tax; $7,136/yr insurance |
How to read this ranking
The table is a doorway into the underlying county pages, not a standalone recommendation. Open a county to see the effective tax rate, median home value, insurance budget, PITI assumptions, source attribution, confidence label, and data as-of date.
Confidence: Medium for mortgage and tax math; Low for modeled insurance budgets. Data as of 2026-06-22.
Sources: U.S. Census Bureau ACS, NAIC Homeowners Insurance Report, and FEMA National Risk Index, depending on the metric.
Disclaimer: Estimates for budgeting only — not a tax bill, not an insurance quote, not legal or tax advice. Verify with the county assessor and a licensed professional before making financial decisions.