The typical owner-occupied home in Crosby is worth about $115,400, 54% below the North Dakota median of $249,900 and 65% below the national median of $332,700. Owners pay a median $1,000 a year in property taxes, about 0.87% of their home's value, lower than the North Dakota rate of 0.99%. The median household earns $82,500 a year, so the median home costs 1.4 times the median income (3.3 times for North Dakota). 70% of occupied homes here are lived in by their owners, and 14% of those owners still have a mortgage.
Crosby at a glance
| Crosby | North Dakota | U.S. | |
|---|---|---|---|
| Median home value | $115,400 | $249,900 | $332,700 |
| Median property tax paid per year | $1,000 | $2,468 | $3,119 |
| Property tax as a share of value | 0.87% | 0.99% | 0.94% |
| Median household income | $82,500 | $76,657 | $80,734 |
| Homes lived in by their owners | 70% | 63% | 65% |
| Owner homes with a mortgage | 14% | 52% | 61% |
| Median monthly costs, owners with a mortgage | $1,239 | $1,762 | $1,963 |
| Median rent | $900 | $954 | $1,413 |
| Rent as a share of renters' income | 14.3% | 25.0% | 30.6% |
| Median year homes were built | 1973 | 1982 | 1980 |
| Vacant homes | 24.4% | 12.3% | 10.1% |
| Population | 1,065 | 784,841 | 334,922,499 |
What a typical home costs per month in Crosby
At this week's average 30-year rate of 7.11%, buying the median Crosby home of $115,400 with 20% down costs about $753 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $945, 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 $32,262 for the 20%-down payment. That payment is 11% of the median Crosby household income of $82,500; at that income and 20% down, the 28% guideline points to a home of about $295,000.
The median rent here is $900 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $23,080 |
|---|---|
| Loan amount | $92,320 |
| Principal and interest | $621 |
| Property taxes (0.87% a year) | $84 |
| Homeowners insurance (our estimate, 0.5% a year) | $48 |
| PMI | $0 |
| Total per month | $753 |
Change the numbers in the calculator
| Down payment | $4,039 |
|---|---|
| Loan amount | $113,310 |
| Principal and interest | $762 |
| Property taxes (0.87% a year) | $84 |
| Homeowners insurance (our estimate, 0.5% a year) | $48 |
| FHA mortgage insurance | $51 |
| Total per month | $945 |
Change the numbers in the calculator
Questions about home buying in Crosby
What is the median home value in Crosby?
About $115,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Crosby?
Homeowners pay a median $1,000 a year, which is about 0.87% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Crosby?
For the median home with 20% down at 7.11%, the payment is about $753 a month. Keeping that under 28% of gross income takes about $32,262 a year.
More about Crosby
- Mortgage Refinance in Crosby
- Debt Relief in Crosby
- Home Equity Loans in Crosby
- 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