The typical owner-occupied home in Willow Creek is worth about $389,500, 47% below the California median of $734,700 and 17% above the national median of $332,700. Owners pay a median $2,049 a year in property taxes, about 0.53% of their home's value, lower than the California rate of 0.70%. The median household earns $47,137 a year, so the median home costs 8.3 times the median income (7.4 times for California). 62% of occupied homes here are lived in by their owners, and 52% of those owners still have a mortgage.
Willow Creek at a glance
| Willow Creek | California | U.S. | |
|---|---|---|---|
| Median home value | $389,500 | $734,700 | $332,700 |
| Median property tax paid per year | $2,049 | $5,124 | $3,119 |
| Property tax as a share of value | 0.53% | 0.70% | 0.94% |
| Median household income | $47,137 | $99,122 | $80,734 |
| Homes lived in by their owners | 62% | 56% | 65% |
| Owner homes with a mortgage | 52% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $1,644 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 37.5% | 24.8% | 21.0% |
| Median rent | – | $2,036 | $1,413 |
| Rent as a share of renters' income | 45.0% | 32.8% | 30.6% |
| Median year homes were built | 1977 | 1976 | 1980 |
| Vacant homes | 40.2% | 7.5% | 10.1% |
| Population | 1,076 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Willow Creek
At this week's average 30-year rate of 7.11%, buying the median Willow Creek home of $389,500 with 20% down costs about $2,430 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,079, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $104,163 for the 20%-down payment. That payment is 62% of the median Willow Creek household income of $47,137; at that income and 20% down, the 28% guideline points to a home of about $176,000.
| Down payment | $77,900 |
|---|---|
| Loan amount | $311,600 |
| Principal and interest | $2,096 |
| Property taxes (0.53% a year) | $172 |
| Homeowners insurance (our estimate, 0.5% a year) | $162 |
| PMI | $0 |
| Total per month | $2,430 |
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| Down payment | $13,632 |
|---|---|
| Loan amount | $382,445 |
| Principal and interest | $2,573 |
| Property taxes (0.53% a year) | $172 |
| Homeowners insurance (our estimate, 0.5% a year) | $162 |
| FHA mortgage insurance | $172 |
| Total per month | $3,079 |
Change the numbers in the calculator
Questions about home buying in Willow Creek
What is the median home value in Willow Creek?
About $389,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Willow Creek?
Homeowners pay a median $2,049 a year, which is about 0.53% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Willow Creek?
For the median home with 20% down at 7.11%, the payment is about $2,430 a month. Keeping that under 28% of gross income takes about $104,163 a year.
More about Willow Creek
- Mortgage Refinance in Willow Creek
- Debt Relief in Willow Creek
- Home Equity Loans in Willow Creek
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data