The typical owner-occupied home in Karluk is worth about $120,000, 66% below the Alaska median of $352,900 and 64% below the national median of $332,700. 100% of occupied homes here are lived in by their owners, and 0% of those owners still have a mortgage.
Karluk at a glance
| Karluk | Alaska | U.S. | |
|---|---|---|---|
| Median home value | $120,000 | $352,900 | $332,700 |
| Median property tax paid per year | – | $3,901 | $3,119 |
| Median household income | – | $92,788 | $80,734 |
| Homes lived in by their owners | 100% | 67% | 65% |
| Owner homes with a mortgage | 0% | 60% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,229 | $1,963 |
| Median rent | – | $1,419 | $1,413 |
| Median year homes were built | 1983 | 1986 | 1980 |
| Vacant homes | 64.3% | 17.6% | 10.1% |
| Population | 33 | 735,706 | 334,922,499 |
What a typical home costs per month in Karluk
At this week's average 30-year rate of 7.11%, buying the median Karluk home of $120,000 with 20% down costs about $806 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,006, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $34,534 for the 20%-down payment.
| Down payment | $24,000 |
|---|---|
| Loan amount | $96,000 |
| Principal and interest | $646 |
| Property taxes (1.10% a year) | $110 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| PMI | $0 |
| Total per month | $806 |
Change the numbers in the calculator
| Down payment | $4,200 |
|---|---|
| Loan amount | $117,826 |
| Principal and interest | $793 |
| Property taxes (1.10% a year) | $110 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| FHA mortgage insurance | $53 |
| Total per month | $1,006 |
Change the numbers in the calculator
Questions about home buying in Karluk
What is the median home value in Karluk?
About $120,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Karluk?
For the median home with 20% down at 7.11%, the payment is about $806 a month. Keeping that under 28% of gross income takes about $34,534 a year.
More about Karluk
- Mortgage Refinance in Karluk
- Debt Relief in Karluk
- Home Equity Loans in Karluk
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data