Total monthly cost of ownership
Cost to Own a Home in Crosby, North Dakota
A $112,000 home here costs
$1,046per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $45,000 a year.
A standard mortgage calculator would have told you $611. The real number is $435 higher every month, 71% more than the payment most buyers budget for.
Compare Divide County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Crosby from a five-year rolling sample, and with about 1,116 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Divide County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Crosby against Divide County and North Dakota
| Measure | Crosby | Divide County |
|---|---|---|
| Median home value | $111,800 | $173,100 |
| Median property tax | $1,066 | $1,034 |
| Effective tax rate | 0.953% | 0.597% |
| Median gross rent | $1,023 | $1,064 |
| Population | 1,116 | 2,174 |
The weather behind that power bill
Crosby sits in Divide County, which averages a high of 81.0°F in its hottest month and a low of 0.0°F in its coldest, with 16.1" of precipitation a year and 51% of it in a single three-month stretch. That climate drives 329 cooling and 9,318 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Divide County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Divide County
No other places of this size are published in Divide County.
Full Divide County cost breakdown · Every county in North Dakota
Talk to someone who works this market
These are Crosby averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Crosby every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Crosby I already own here and may sell
Common questions
How much does it cost to own a home in Crosby?
A $112,000 home in Crosby, North Dakota costs approximately $1,046 per month with 20% down at 7.24%. That is $611 principal and interest, $89 property tax, $48 homeowners insurance, $205 utilities and $93 set aside for maintenance.
What is the property tax rate in Crosby?
Crosby has an effective property tax rate of 0.953%, based on a median home value of $111,800 and median real estate taxes of $1,066. That is higher than the Divide County average of 0.597%.
What is the average home price in Crosby?
The median owner-occupied home value in Crosby, North Dakota is $111,800, against $173,100 across Divide County.
Is it cheaper to rent or buy in Crosby?
Median gross rent in Crosby is $1,023 a month, against $1,046 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Crosby?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Crosby, North Dakota at today's rate takes a household income of roughly $45,000 a year. That covers the full $1,046 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Crosby, 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.