The typical owner-occupied home in Gambell is worth about $117,900, 67% below the Alaska median of $352,900 and 65% below the national median of $332,700. The median household earns $52,500 a year, so the median home costs 2.2 times the median income (3.8 times for Alaska). 87% of occupied homes here are lived in by their owners, and 17% of those owners still have a mortgage.
Gambell at a glance
| Gambell | Alaska | U.S. | |
|---|---|---|---|
| Median home value | $117,900 | $352,900 | $332,700 |
| Median property tax paid per year | – | $3,901 | $3,119 |
| Median household income | $52,500 | $92,788 | $80,734 |
| Homes lived in by their owners | 87% | 67% | 65% |
| Owner homes with a mortgage | 17% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $930 | $2,229 | $1,963 |
| Those costs as a share of the owners' income | 18.6% | 21.6% | 21.0% |
| Median rent | $825 | $1,419 | $1,413 |
| Rent as a share of renters' income | 14.4% | 27.7% | 30.6% |
| Median year homes were built | 1982 | 1986 | 1980 |
| Vacant homes | 16.1% | 17.6% | 10.1% |
| Population | 569 | 735,706 | 334,922,499 |
What a typical home costs per month in Gambell
At this week's average 30-year rate of 7.11%, buying the median Gambell home of $117,900 with 20% down costs about $792 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $988, 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 $33,930 for the 20%-down payment. That payment is 18% of the median Gambell household income of $52,500; at that income and 20% down, the 28% guideline points to a home of about $182,000.
The median rent here is $825 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $23,580 |
|---|---|
| Loan amount | $94,320 |
| Principal and interest | $634 |
| Property taxes (1.10% a year) | $108 |
| Homeowners insurance (our estimate, 0.5% a year) | $49 |
| PMI | $0 |
| Total per month | $792 |
Change the numbers in the calculator
| Down payment | $4,126 |
|---|---|
| Loan amount | $115,765 |
| Principal and interest | $779 |
| Property taxes (1.10% a year) | $108 |
| Homeowners insurance (our estimate, 0.5% a year) | $49 |
| FHA mortgage insurance | $52 |
| Total per month | $988 |
Change the numbers in the calculator
Questions about home buying in Gambell
What is the median home value in Gambell?
About $117,900 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 Gambell?
For the median home with 20% down at 7.11%, the payment is about $792 a month. Keeping that under 28% of gross income takes about $33,930 a year.
More about Gambell
- Mortgage Refinance in Gambell
- Debt Relief in Gambell
- Home Equity Loans in Gambell
- 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