Total monthly cost of ownership
Cost to Own a Home in Tioga, North Dakota
A $197,000 home here costs
$1,623per 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 $69,500 a year.
A standard mortgage calculator would have told you $1,074. The real number is $549 higher every month, 51% more than the payment most buyers budget for.
Compare Williams County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Tioga from a five-year rolling sample, and with about 1,525 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 Williams 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.
Tioga against Williams County and North Dakota
| Measure | Tioga | Williams County |
|---|---|---|
| Median home value | $196,800 | $267,800 |
| Median property tax | $1,137 | $1,913 |
| Effective tax rate | 0.578% | 0.714% |
| Median gross rent | $1,005 | $1,108 |
| Population | 1,525 | 39,368 |
The weather behind that power bill
Tioga sits in Williams County, which averages a high of 84.5°F in its hottest month and a low of 1.0°F in its coldest, with 15.11" of precipitation a year and 48% of it in a single three-month stretch. That climate drives 457 cooling and 8,906 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Williams County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Williams County
Full Williams County cost breakdown · Every county in North Dakota
Talk to someone who works this market
These are Tioga 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 Tioga every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Tioga?
A $197,000 home in Tioga, North Dakota costs approximately $1,623 per month with 20% down at 7.24%. That is $1,074 principal and interest, $95 property tax, $85 homeowners insurance, $205 utilities and $164 set aside for maintenance.
What is the property tax rate in Tioga?
Tioga has an effective property tax rate of 0.578%, based on a median home value of $196,800 and median real estate taxes of $1,137. That is lower than the Williams County average of 0.714%.
What is the average home price in Tioga?
The median owner-occupied home value in Tioga, North Dakota is $196,800, against $267,800 across Williams County.
Is it cheaper to rent or buy in Tioga?
Median gross rent in Tioga is $1,005 a month, against $1,623 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 Tioga?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Tioga, North Dakota at today's rate takes a household income of roughly $69,500 a year. That covers the full $1,623 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Tioga, 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.