Total monthly cost of ownership
Cost to Own a Home in Jamestown, North Dakota
A $193,000 home here costs
$1,633per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $992. The real number is $641 higher every month — 65% 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.
Jamestown against Stutsman County and North Dakota
| Measure | Jamestown | Stutsman County |
|---|---|---|
| Median home value | $192,500 | $200,300 |
| Median property tax | $2,474 | $2,193 |
| Effective tax rate | 1.285% | 1.095% |
| Median gross rent | $741 | $742 |
| Population | 15,774 | 21,525 |
The weather behind that power bill
Jamestown sits in Stutsman County, which averages a high of 81.2°F in its hottest month and a low of 0.9°F in its coldest, with 19.84" of precipitation a year and 51% of it in a single three-month stretch. That climate drives 419 cooling and 9,010 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Stutsman County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Stutsman County
No other places of this size are published in Stutsman County.
Full Stutsman County cost breakdown · Every county in North Dakota
Common questions
How much does it cost to own a home in Jamestown?
A $193,000 home in Jamestown, North Dakota costs approximately $1,633 per month with 20% down at 6.66%. That is $992 principal and interest, $207 property tax, $83 homeowners insurance, $190 utilities and $161 set aside for maintenance.
What is the property tax rate in Jamestown?
Jamestown has an effective property tax rate of 1.285%, based on a median home value of $192,500 and median real estate taxes of $2,474. That is higher than the Stutsman County average of 1.095%.
What is the average home price in Jamestown?
The median owner-occupied home value in Jamestown, North Dakota is $192,500, against $200,300 across Stutsman County.
Is it cheaper to rent or buy in Jamestown?
Median gross rent in Jamestown is $741 a month, against $1,633 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 Jamestown — 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.