Total monthly cost of ownership
Cost to Own a Home in Bottineau, North Dakota
A $165,000 home here costs
$1,378per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $848. The real number is $530 higher every month — 62% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Bottineau against Bottineau County and North Dakota
| Measure | Bottineau | Bottineau County |
|---|---|---|
| Median home value | $165,300 | $190,900 |
| Median property tax | $1,578 | $1,335 |
| Effective tax rate | 0.955% | 0.699% |
| Median gross rent | $770 | $763 |
| Population | 2,063 | 6,390 |
The weather behind that power bill
Bottineau sits in Bottineau County, which averages a high of 81.8°F in its hottest month and a low of -1.9°F in its coldest, with 18.75" of precipitation a year and 49% of it in a single three-month stretch. That climate drives 416 cooling and 9,401 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Bottineau County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bottineau County
No other places of this size are published in Bottineau County.
Full Bottineau County cost breakdown · Every county in North Dakota
Common questions
How much does it cost to own a home in Bottineau?
A $165,000 home in Bottineau, North Dakota costs approximately $1,378 per month with 20% down at 6.66%. That is $848 principal and interest, $131 property tax, $71 homeowners insurance, $190 utilities and $138 set aside for maintenance.
What is the property tax rate in Bottineau?
Bottineau has an effective property tax rate of 0.955%, based on a median home value of $165,300 and median real estate taxes of $1,578. That is higher than the Bottineau County average of 0.699%.
What is the average home price in Bottineau?
The median owner-occupied home value in Bottineau, North Dakota is $165,300, against $190,900 across Bottineau County.
Is it cheaper to rent or buy in Bottineau?
Median gross rent in Bottineau is $770 a month, against $1,378 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Bottineau — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for North Dakota.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.