Total monthly cost of ownership
Cost to Own a Home in Fort Dick, California
A $288,000 home here costs
$2,228per 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 $95,500 a year.
A standard mortgage calculator would have told you $1,570. The real number is $658 higher every month, 42% more than the payment most buyers budget for.
Compare Del Norte County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Fort Dick from a five-year rolling sample, and with about 1,349 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 Del Norte 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.
Fort Dick against Del Norte County and California
| Measure | Fort Dick | Del Norte County |
|---|---|---|
| Median home value | $287,500 | $319,600 |
| Median property tax | $1,868 | $1,872 |
| Effective tax rate | 0.650% | 0.586% |
| Median gross rent | — | $1,182 |
| Population | 1,349 | 27,293 |
The weather behind that power bill
Fort Dick sits in Del Norte County, which averages a high of 64.5°F in its hottest month and a low of 41.4°F in its coldest, with 57.98" of precipitation a year and 49% of it in a single three-month stretch. That climate drives 4 cooling and 4,423 heating degree days, which is what sets the $150 electricity line above.
See the full climate breakdown for Del Norte County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Del Norte County
Full Del Norte County cost breakdown · Every county in California
Talk to someone who works this market
These are Fort Dick 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 Fort Dick every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Fort Dick I already own here and may sell
Common questions
How much does it cost to own a home in Fort Dick?
A $288,000 home in Fort Dick, California costs approximately $2,228 per month with 20% down at 7.24%. That is $1,570 principal and interest, $156 property tax, $45 homeowners insurance, $218 utilities and $240 set aside for maintenance.
What is the property tax rate in Fort Dick?
Fort Dick has an effective property tax rate of 0.650%, based on a median home value of $287,500 and median real estate taxes of $1,868. That is higher than the Del Norte County average of 0.586%.
What is the average home price in Fort Dick?
The median owner-occupied home value in Fort Dick, California is $287,500, against $319,600 across Del Norte County.
Is it cheaper to rent or buy in Fort Dick?
Rent data is not published for Fort Dick at this level of detail.
What salary do you need to buy a home in Fort Dick?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Fort Dick, California at today's rate takes a household income of roughly $95,500 a year. That covers the full $2,228 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Fort Dick, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for California.
- 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.