Total monthly cost of ownership
Cost to Own a Home in Shell Valley, North Dakota
A $55,000 home here costs
$587per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $283. The real number is $304 higher every month — 108% 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.
Shell Valley against Rolette County and North Dakota
| Measure | Shell Valley | Rolette County |
|---|---|---|
| Median home value | $55,200 | $93,000 |
| Median property tax | — | $907 |
| Effective tax rate | 0.975% | 0.975% |
| Median gross rent | $377 | $479 |
| Population | 1,112 | 12,065 |
The weather behind that power bill
Shell Valley sits in Rolette County, which averages a high of 79.1°F in its hottest month and a low of -5.1°F in its coldest, with 20.14" of precipitation a year and 48% of it in a single three-month stretch. That climate drives 279 cooling and 10,015 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Rolette County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Rolette County
Full Rolette County cost breakdown · Every county in North Dakota
Common questions
How much does it cost to own a home in Shell Valley?
A $55,000 home in Shell Valley, North Dakota costs approximately $587 per month with 20% down at 6.66%. That is $283 principal and interest, $45 property tax, $24 homeowners insurance, $190 utilities and $46 set aside for maintenance.
What is the property tax rate in Shell Valley?
Place-level tax data is not published for Shell Valley, so the Rolette County rate of 0.975% applies here.
What is the average home price in Shell Valley?
The median owner-occupied home value in Shell Valley, North Dakota is $55,200, against $93,000 across Rolette County.
Is it cheaper to rent or buy in Shell Valley?
Median gross rent in Shell Valley is $377 a month, against $587 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 Shell Valley — 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.