Total monthly cost of ownership
Cost to Own a Home in Haines, Alaska
A $321,000 home here costs
$2,536per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,650. The real number is $886 higher every month — 54% 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.
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 $254 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.
Common questions
How much does it cost to own a home in Haines?
A $321,000 home in Haines, Alaska costs approximately $2,536 per month with 20% down at 6.66%. That is $1,650 principal and interest, $211 property tax, $86 homeowners insurance, $322 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 $2,536 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 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.