Total monthly cost of ownership
Cost to Own a Home in Kotlik, Alaska
A $75,000 home here costs
$807per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $386. The real number is $421 higher every month — 109% 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.
Kotlik against Kusilvak Census Area and Alaska
| Measure | Kotlik | Kusilvak Census Area |
|---|---|---|
| Median home value | $75,000 | $72,700 |
| Median property tax | — | $199 |
| Effective tax rate | 0.274% | 0.274% |
| Median gross rent | — | $832 |
| Population | 1,166 | 8,277 |
The weather behind that power bill
Kotlik sits in Kusilvak Census Area, which averages a high of 63.6°F in its hottest month and a low of 1.2°F in its coldest, with 19.68" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 7 cooling and 12,228 heating degree days, which is what sets the $254 electricity line above.
See the full climate breakdown for Kusilvak Census Area — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Kusilvak Census Area
No other places of this size are published in Kusilvak Census Area.
Full Kusilvak Census Area cost breakdown · Every county in Alaska
Common questions
How much does it cost to own a home in Kotlik?
A $75,000 home in Kotlik, Alaska costs approximately $807 per month with 20% down at 6.66%. That is $386 principal and interest, $17 property tax, $20 homeowners insurance, $322 utilities and $63 set aside for maintenance.
What is the property tax rate in Kotlik?
Place-level tax data is not published for Kotlik, so the Kusilvak Census Area rate of 0.274% applies here.
What is the average home price in Kotlik?
The median owner-occupied home value in Kotlik, Alaska is $75,000, against $72,700 across Kusilvak Census Area.
Is it cheaper to rent or buy in Kotlik?
Rent data is not published for Kotlik at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Kotlik — 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.