Total monthly cost of ownership
Cost to Own a Home in Langdon, North Dakota
A $130,000 home here costs
$1,241per 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 $53,000 a year.
A standard mortgage calculator would have told you $709. The real number is $532 higher every month, 75% more than the payment most buyers budget for.
Compare Cavalier County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Langdon from a five-year rolling sample, and with about 1,835 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 Cavalier County 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.
Langdon against Cavalier County and North Dakota
| Measure | Langdon | Cavalier County |
|---|---|---|
| Median home value | $130,400 | $122,300 |
| Median property tax | $1,964 | $1,524 |
| Effective tax rate | 1.506% | 1.246% |
| Median gross rent | $741 | $859 |
| Population | 1,835 | 3,663 |
The weather behind that power bill
Langdon sits in Cavalier County, which averages a high of 76.6°F in its hottest month and a low of -5.0°F in its coldest, with 20.75" of precipitation a year and 52% of it in a single three-month stretch. That climate drives 249 cooling and 10,360 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Cavalier County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cavalier County
No other places of this size are published in Cavalier County.
Full Cavalier County cost breakdown · Every county in North Dakota
Talk to someone who works this market
These are Langdon 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 Langdon every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Langdon I already own here and may sell
Common questions
How much does it cost to own a home in Langdon?
A $130,000 home in Langdon, North Dakota costs approximately $1,241 per month with 20% down at 7.24%. That is $709 principal and interest, $163 property tax, $56 homeowners insurance, $205 utilities and $108 set aside for maintenance.
What is the property tax rate in Langdon?
Langdon has an effective property tax rate of 1.506%, based on a median home value of $130,400 and median real estate taxes of $1,964. That is higher than the Cavalier County average of 1.246%.
What is the average home price in Langdon?
The median owner-occupied home value in Langdon, North Dakota is $130,400, against $122,300 across Cavalier County.
Is it cheaper to rent or buy in Langdon?
Median gross rent in Langdon is $741 a month, against $1,241 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 Langdon?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Langdon, North Dakota at today's rate takes a household income of roughly $53,000 a year. That covers the full $1,241 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Langdon, 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.