Total monthly cost of ownership
Cost to Own a Home in North Fork, Arizona
A $88,000 home here costs
$794per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $452. The real number is $341 higher every month — 75% 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.
North Fork against Navajo County and Arizona
| Measure | North Fork | Navajo County |
|---|---|---|
| Median home value | $88,100 | $186,100 |
| Median property tax | — | $1,126 |
| Effective tax rate | 0.605% | 0.605% |
| Median gross rent | $768 | $832 |
| Population | 1,454 | 107,744 |
The weather behind that power bill
North Fork sits in Navajo County, which averages a high of 94.6°F in its hottest month and a low of 21.7°F in its coldest, with 6.52" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 1,328 cooling and 4,330 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Navajo County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Navajo County
Common questions
How much does it cost to own a home in North Fork?
A $88,000 home in North Fork, Arizona costs approximately $794 per month with 20% down at 6.66%. That is $452 principal and interest, $44 property tax, $18 homeowners insurance, $205 utilities and $73 set aside for maintenance.
What is the property tax rate in North Fork?
Place-level tax data is not published for North Fork, so the Navajo County rate of 0.605% applies here.
What is the average home price in North Fork?
The median owner-occupied home value in North Fork, Arizona is $88,100, against $186,100 across Navajo County.
Is it cheaper to rent or buy in North Fork?
Median gross rent in North Fork is $768 a month, against $794 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 North Fork — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Arizona.
- 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.