Total monthly cost of ownership
Cost to Own a Home in Crosby, North Dakota
A $112,000 home here costs
$996per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $576. The real number is $421 higher every month — 73% 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.
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 $122 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
Common questions
How much does it cost to own a home in Crosby?
A $112,000 home in Crosby, North Dakota costs approximately $996 per month with 20% down at 6.66%. That is $576 principal and interest, $89 property tax, $48 homeowners insurance, $190 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 $996 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
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.