Total monthly cost of ownership
Cost to Own a Home in Hettinger, North Dakota
A $113,000 home here costs
$1,013per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $581. The real number is $432 higher every month — 74% 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.
Hettinger against Adams County and North Dakota
| Measure | Hettinger | Adams County |
|---|---|---|
| Median home value | $112,600 | $108,300 |
| Median property tax | $1,179 | $1,106 |
| Effective tax rate | 1.047% | 1.021% |
| Median gross rent | $498 | $545 |
| Population | 1,141 | 2,179 |
The weather behind that power bill
Hettinger sits in Adams County, which averages a high of 84.1°F in its hottest month and a low of 5.4°F in its coldest, with 14.26" of precipitation a year and 52% of it in a single three-month stretch. That climate drives 386 cooling and 8,604 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Adams County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Adams County
No other places of this size are published in Adams County.
Full Adams County cost breakdown · Every county in North Dakota
Common questions
How much does it cost to own a home in Hettinger?
A $113,000 home in Hettinger, North Dakota costs approximately $1,013 per month with 20% down at 6.66%. That is $581 principal and interest, $99 property tax, $48 homeowners insurance, $190 utilities and $94 set aside for maintenance.
What is the property tax rate in Hettinger?
Hettinger has an effective property tax rate of 1.047%, based on a median home value of $112,600 and median real estate taxes of $1,179. That is higher than the Adams County average of 1.021%.
What is the average home price in Hettinger?
The median owner-occupied home value in Hettinger, North Dakota is $112,600, against $108,300 across Adams County.
Is it cheaper to rent or buy in Hettinger?
Median gross rent in Hettinger is $498 a month, against $1,013 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 Hettinger — 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.