The typical owner-occupied home in Modoc County is worth about $224,700, 69% below the California median of $734,700 and 32% below the national median of $332,700. Owners pay a median $1,561 a year in property taxes, about 0.69% of their home's value, close to the California rate of 0.70%. The median household earns $59,455 a year, so the median home costs 3.8 times the median income (7.4 times for California). 77% of occupied homes here are lived in by their owners, and 42% of those owners still have a mortgage.
Modoc County at a glance
| Modoc County | California | U.S. | |
|---|---|---|---|
| Median home value | $224,700 | $734,700 | $332,700 |
| Median property tax paid per year | $1,561 | $5,124 | $3,119 |
| Property tax as a share of value | 0.69% | 0.70% | 0.94% |
| Median household income | $59,455 | $99,122 | $80,734 |
| Homes lived in by their owners | 77% | 56% | 65% |
| Owner homes with a mortgage | 42% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $1,551 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 23.9% | 24.8% | 21.0% |
| Median rent | $836 | $2,036 | $1,413 |
| Rent as a share of renters' income | 28.4% | 32.8% | 30.6% |
| Median year homes were built | 1976 | 1976 | 1980 |
| Vacant homes | 31.4% | 7.5% | 10.1% |
| Population | 8,600 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Modoc County
At this week's average 30-year rate of 7.11%, buying the median Modoc County home of $224,700 with 20% down costs about $1,432 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,806, 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 $61,375 for the 20%-down payment. That payment is 29% of the median Modoc County household income of $59,455; at that income and 20% down, the 28% guideline points to a home of about $218,000.
The median rent here is $836 a month, so owning the median home costs about $596 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $44,940 |
|---|---|
| Loan amount | $179,760 |
| Principal and interest | $1,209 |
| Property taxes (0.69% a year) | $129 |
| Homeowners insurance (our estimate, 0.5% a year) | $94 |
| PMI | $0 |
| Total per month | $1,432 |
Change the numbers in the calculator
| Down payment | $7,864 |
|---|---|
| Loan amount | $220,630 |
| Principal and interest | $1,484 |
| Property taxes (0.69% a year) | $129 |
| Homeowners insurance (our estimate, 0.5% a year) | $94 |
| FHA mortgage insurance | $99 |
| Total per month | $1,806 |
Change the numbers in the calculator
Questions about home buying in Modoc County
What is the median home value in Modoc County?
About $224,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Modoc County?
Homeowners pay a median $1,561 a year, which is about 0.69% 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 Modoc County?
For the median home with 20% down at 7.11%, the payment is about $1,432 a month. Keeping that under 28% of gross income takes about $61,375 a year.
More about Modoc County
- Mortgage Refinance in Modoc County
- Debt Relief in Modoc County
- Home Equity Loans in Modoc County
- 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