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Mortgage Calculator &
Closing Costs: Redding, CA

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Redding, California.

Median Home Price
$385K
Population
92K
Avg Monthly Rent
$1,380
Property Tax Rate
0.73%
Redding vs California Median
The median home price in Redding is $385,000, which is 51% below the California state median of $785,000.

Mortgage Calculator — Redding, CA

Pre-filled with Redding median home price and California tax/insurance rates. Adjust for your property.

$
$77,000
%
%
years
CA avg
%
$
Monthly Payment (PITI)
$2,364
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,947
per month
Taxes & Insurance
$417
per month
Total Interest Paid
$393K
over 30 years
Total Loan Cost
$701K
all payments
Payment Breakdown
Loan Amount$308,000
Principal & Interest$1,947
Property Taxes$234
Homeowners Insurance$183
Total Monthly PITI$2,364

Closing Costs — Redding, CA

Estimated closing costs based on California rates and fees applied to Redding prices.

$
%
California: Avg closing costs 1.2% of price. Transfer tax: 0.11%.
Estimated Closing Costs
$11,893
3.1% of purchase price
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Lender Fees
$3,197
origination, underwriting
Third-Party
$3,375
appraisal, title, inspection
Government Fees
$424
transfer taxes, recording
Prepaids + Escrow
$4,897
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,772
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,225
Recording Fee$150
Transfer Tax$424
Prepaid Taxes (3 mo)$703
Prepaid Insurance (12 mo)$2,200
Prepaid Interest (15 days)$926
Escrow Reserves$1,069
Total Closing Costs$11,893

Buying a Home in Redding, California

The median home price in Redding is $385,000, 51% below the California state median of $785,000. With a population of 92,336, Redding is a smaller market where home prices tend to be more accessible than in many parts of California.

Property taxes in California average 0.73% annually. This moderate property tax rate means a $385,000 home in Redding would carry roughly $234/month in property taxes. Homeowners insurance in California runs approximately $2,200 per year. This is within the normal range nationally.

Average rent in Redding is $1,380/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Redding presents moderate affordability. The $385K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Redding.
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