Total monthly cost of ownership
Cost to Own a Home in Haines, Alaska
A $321,000 home here costs
$2,552per 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 $109,500 a year.
A standard mortgage calculator would have told you $1,750. The real number is $802 higher every month, 46% more than the payment most buyers budget for.
Compare Haines Borough with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Haines from a five-year rolling sample, and with about 1,781 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 Haines Borough 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.
Haines against Haines Borough and Alaska
| Measure | Haines | Haines Borough |
|---|---|---|
| Median home value | $321,000 | $318,900 |
| Median property tax | $2,528 | $2,558 |
| Effective tax rate | 0.788% | 0.802% |
| Median gross rent | $914 | $914 |
| Population | 1,781 | 2,077 |
The weather behind that power bill
Haines sits in Haines Borough, which averages a high of 65.4°F in its hottest month and a low of 18.6°F in its coldest, with 47.4" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 11 cooling and 8,406 heating degree days, which is what sets the $170 electricity line above.
See the full climate breakdown for Haines Borough , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Haines Borough
No other places of this size are published in Haines Borough.
Talk to someone who works this market
These are Haines 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 Haines every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Haines I already own here and may sell
Common questions
How much does it cost to own a home in Haines?
A $321,000 home in Haines, Alaska costs approximately $2,552 per month with 20% down at 7.24%. That is $1,750 principal and interest, $211 property tax, $86 homeowners insurance, $238 utilities and $268 set aside for maintenance.
What is the property tax rate in Haines?
Haines has an effective property tax rate of 0.788%, based on a median home value of $321,000 and median real estate taxes of $2,528. That is lower than the Haines Borough average of 0.802%.
What is the average home price in Haines?
The median owner-occupied home value in Haines, Alaska is $321,000, against $318,900 across Haines Borough.
Is it cheaper to rent or buy in Haines?
Median gross rent in Haines is $914 a month, against $2,552 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 Haines?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Haines, Alaska at today's rate takes a household income of roughly $109,500 a year. That covers the full $2,552 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Haines, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Alaska.
- 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.