Total monthly cost of ownership
Cost to Own a Home in Rugby, North Dakota
A $148,000 home here costs
$1,268per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $761. The real number is $507 higher every month — 67% 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.
Rugby against Pierce County and North Dakota
| Measure | Rugby | Pierce County |
|---|---|---|
| Median home value | $147,800 | $143,400 |
| Median property tax | $1,556 | $1,477 |
| Effective tax rate | 1.053% | 1.030% |
| Median gross rent | $829 | $807 |
| Population | 2,555 | 3,961 |
The weather behind that power bill
Rugby sits in Pierce County, which averages a high of 79.9°F in its hottest month and a low of -3.9°F in its coldest, with 20.98" of precipitation a year and 50% of it in a single three-month stretch. That climate drives 304 cooling and 9,801 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Pierce County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pierce County
No other places of this size are published in Pierce County.
Full Pierce County cost breakdown · Every county in North Dakota
Common questions
How much does it cost to own a home in Rugby?
A $148,000 home in Rugby, North Dakota costs approximately $1,268 per month with 20% down at 6.66%. That is $761 principal and interest, $130 property tax, $64 homeowners insurance, $190 utilities and $123 set aside for maintenance.
What is the property tax rate in Rugby?
Rugby has an effective property tax rate of 1.053%, based on a median home value of $147,800 and median real estate taxes of $1,556. That is higher than the Pierce County average of 1.030%.
What is the average home price in Rugby?
The median owner-occupied home value in Rugby, North Dakota is $147,800, against $143,400 across Pierce County.
Is it cheaper to rent or buy in Rugby?
Median gross rent in Rugby is $829 a month, against $1,268 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 Rugby — 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.